Side-by-side · Q2 2026 data
The First National Bank of Carmi vs FNBC Bank & Trust
Metric by metric
| Measure | The First National Bank of Carmi | FNBC Bank & Trust |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 64 (stronger) | 50 |
| Loan quality | 88 | 99 (stronger) |
| Earnings | 68 (stronger) | 67 |
| Funding & liquidity | 68 | 89 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 61st | 68th |
| Total assets | $622.2M | $581.6M |
| Deposits / shares | $545.5M | $525.1M |
| Capital ratio | 11.42% (stronger) | 10.02% |
| Problem loans | 0.35% | 0.04% (stronger) |
| Net charge-offs | -0.15% (stronger) | -0.01% |
| Return on assets | 1.19% (stronger) | 1.18% |
| Loans ÷ deposits | 77.5% | 61.8% (stronger) |
| Uninsured deposits | 28.5% | 23.3% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | 6.3% |
FNBC Bank & Trust has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 3 and FNBC Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.