Side-by-side · Q2 2026 data
The First National Bank of Carmi vs First National Bank in Olney
Metric by metric
| Measure | The First National Bank of Carmi | First National Bank in Olney |
|---|---|---|
| TellerScore | 75 (stronger) | 64 |
| Capital cushion | 64 (stronger) | 58 |
| Loan quality | 88 (stronger) | 47 |
| Earnings | 68 | 68 |
| Funding & liquidity | 68 | 87 (stronger) |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 61st | 26th |
| Total assets | $622.2M | $469.3M |
| Deposits / shares | $545.5M | $415.4M |
| Capital ratio | 11.42% (stronger) | 10.83% |
| Problem loans | 0.35% (stronger) | 1.60% |
| Net charge-offs | -0.15% (stronger) | 0.08% |
| Return on assets | 1.19% | 1.20% (stronger) |
| Loans ÷ deposits | 77.5% | 54.9% (stronger) |
| Uninsured deposits | 28.5% | 26.8% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
The First National Bank of Carmi has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 4 and First National Bank in Olney on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.