Side-by-side · Q2 2026 data
The First National Bank and Trust vs First Financial Bank
Metric by metric
| Measure | The First National Bank and Trust | First Financial Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 61 |
| Capital cushion | 65 (stronger) | 57 |
| Loan quality | 97 (stronger) | 49 |
| Earnings | 40 | 62 (stronger) |
| Funding & liquidity | 84 | 92 (stronger) |
| Problem-loan coverage | 94 (stronger) | 56 |
| Peer percentile | 57th | 20th |
| Total assets | $238.6M | $248.1M |
| Deposits / shares | $218.9M | $237.4M |
| Capital ratio | 11.54% (stronger) | 10.69% |
| Problem loans | 0.10% (stronger) | 1.52% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 0.50% | 1.06% (stronger) |
| Loans ÷ deposits | 67.8% | 55.6% (stronger) |
| Uninsured deposits | 22.8% | 22.8% (stronger) |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank and Trust has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust leads on 4 and First Financial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.