Side-by-side · Q2 2026 data
The First National Bank of Ava vs The First National Bank of Sparta
Metric by metric
| Measure | The First National Bank of Ava | The First National Bank of Sparta |
|---|---|---|
| TellerScore | 84 | 84 |
| Capital cushion | 78 (stronger) | 76 |
| Loan quality | 98 (stronger) | 81 |
| Earnings | 62 | 98 (stronger) |
| Funding & liquidity | 91 (stronger) | 81 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 76th | 86th |
| Total assets | $78.3M | $114.6M |
| Deposits / shares | $69.5M | $101.1M |
| Capital ratio | 12.76% (stronger) | 12.64% |
| Problem loans | 0.07% (stronger) | 0.56% |
| Net charge-offs | -0.00% (stronger) | 0.15% |
| Return on assets | 1.05% | 1.95% (stronger) |
| Loans ÷ deposits | 63.5% | 48.7% (stronger) |
| Uninsured deposits | 20.3% (stronger) | 32.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.3% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First National Bank of Ava leads on 4 and The First National Bank of Sparta on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.