Side-by-side · Q2 2026 data
The First National Bank of Aspermont vs Spectra Bank
Metric by metric
| Measure | The First National Bank of Aspermont | Spectra Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 59 |
| Capital cushion | 41 (stronger) | 29 |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 63 (stronger) | 28 |
| Funding & liquidity | 87 (stronger) | 66 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 43rd | 17th |
| Total assets | $133.9M | $126.7M |
| Deposits / shares | $128.0M | $110.8M |
| Capital ratio | 9.07% (stronger) | 7.88% |
| Problem loans | 0.29% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.09% (stronger) | 0.20% |
| Loans ÷ deposits | 38.5% (stronger) | 77.9% |
| Uninsured deposits | 27.2% (stronger) | 29.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Aspermont has the higher TellerScore (70 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Aspermont leads on 6 and Spectra Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.