Side-by-side · Q2 2026 data
The First National Bank in Tremont vs State Bank of Bement
Metric by metric
| Measure | The First National Bank in Tremont | State Bank of Bement |
|---|---|---|
| TellerScore | 67 | 67 |
| Capital cushion | 49 | 52 (stronger) |
| Loan quality | 78 | 82 (stronger) |
| Earnings | 57 (stronger) | 47 |
| Funding & liquidity | 78 | 81 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 34th | 34th |
| Total assets | $187.6M | $185.6M |
| Deposits / shares | $166.1M | $165.9M |
| Capital ratio | 9.89% | 10.19% (stronger) |
| Problem loans | 0.66% | 0.54% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.05% |
| Return on assets | 0.92% (stronger) | 0.68% |
| Loans ÷ deposits | 74.6% | 65.1% (stronger) |
| Uninsured deposits | 22.1% (stronger) | 28.1% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 10.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First National Bank in Tremont leads on 3 and State Bank of Bement on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.