Side-by-side · Q2 2026 data
The First National Bank of Arenzville vs Philo Exchange Bank
Metric by metric
| Measure | The First National Bank of Arenzville | Philo Exchange Bank |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 38 | 52 (stronger) |
| Loan quality | 98 | 99 (stronger) |
| Earnings | 93 (stronger) | 60 |
| Funding & liquidity | 78 | 90 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 64th | 64th |
| Total assets | $158.7M | $156.6M |
| Deposits / shares | $143.7M | $130.3M |
| Capital ratio | 8.83% | 10.18% (stronger) |
| Problem loans | 0.05% | 0.02% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.13% |
| Return on assets | 1.84% (stronger) | 1.01% |
| Loans ÷ deposits | 78.1% | 67.6% (stronger) |
| Uninsured deposits | 18.9% | 17.5% (stronger) |
| Offices | 3 | 5 |
| 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 of Arenzville leads on 2 and Philo Exchange Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.