Side-by-side · Q2 2026 data
The First National Bank and Trust vs Friend Bank
Metric by metric
| Measure | The First National Bank and Trust | Friend Bank |
|---|---|---|
| TellerScore | 74 | 85 (stronger) |
| Capital cushion | 65 | 85 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 40 | 87 (stronger) |
| Funding & liquidity | 84 (stronger) | 75 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 57th | 88th |
| Total assets | $238.6M | $221.0M |
| Deposits / shares | $218.9M | $190.9M |
| Capital ratio | 11.54% | 13.52% (stronger) |
| Problem loans | 0.10% (stronger) | 0.48% |
| Net charge-offs | -0.00% | -0.12% (stronger) |
| Return on assets | 0.50% | 1.67% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 73.3% |
| Uninsured deposits | 22.8% (stronger) | 25.4% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.8% |
Friend Bank has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust leads on 3 and Friend Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.