Side-by-side · Q2 2026 data
The First National Bank & Trust vs Valor Bank
Metric by metric
| Measure | The First National Bank & Trust | Valor Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 71 |
| Capital cushion | 81 (stronger) | 37 |
| Loan quality | 81 | 89 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 96 (stronger) | 55 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 92nd | 47th |
| Total assets | $294.0M | $302.6M |
| Deposits / shares | $265.0M | $262.1M |
| Capital ratio | 13.09% (stronger) | 8.70% |
| Problem loans | 0.56% | 0.32% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 2.12% | 2.15% (stronger) |
| Loans ÷ deposits | 57.1% (stronger) | 99.8% |
| Uninsured deposits | 19.1% (stronger) | 19.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.9% |
The First National Bank & Trust has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank & Trust leads on 5 and Valor Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.