Side-by-side · Q2 2026 data
The First National Bank in Cooper vs State National Bank
Metric by metric
| Measure | The First National Bank in Cooper | State National Bank |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 81 (stronger) | 76 |
| Loan quality | 52 | 88 (stronger) |
| Earnings | 56 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 54 |
| Problem-loan coverage | 89 (stronger) | 86 |
| Peer percentile | 45th | 45th |
| Total assets | $57.3M | $55.1M |
| Deposits / shares | $49.7M | $47.7M |
| Capital ratio | 13.12% (stronger) | 12.60% |
| Problem loans | 1.44% | 0.35% (stronger) |
| Net charge-offs | 0.00% | -0.07% (stronger) |
| Return on assets | 0.90% (stronger) | 0.83% |
| Loans ÷ deposits | 60.5% (stronger) | 90.3% |
| Uninsured deposits | 13.3% (stronger) | 29.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First National Bank in Cooper leads on 4 and State National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.