Side-by-side · Q2 2026 data
The First National Bank & Trust vs First Bank
Metric by metric
| Measure | The First National Bank & Trust | First Bank |
|---|---|---|
| TellerScore | 88 | 93 (stronger) |
| Capital cushion | 81 | 92 (stronger) |
| Loan quality | 81 | 91 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 96 (stronger) | 83 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 92nd | 98th |
| Total assets | $294.0M | $118.0M |
| Deposits / shares | $265.0M | $100.1M |
| Capital ratio | 13.09% | 14.16% (stronger) |
| Problem loans | 0.56% | 0.27% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.01% |
| Return on assets | 2.12% | 2.88% (stronger) |
| Loans ÷ deposits | 57.1% (stronger) | 64.6% |
| Uninsured deposits | 19.1% (stronger) | 26.1% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank has the higher TellerScore (93 vs 88). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank & Trust leads on 3 and First Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.