Side-by-side · Q2 2026 data
The First National Bank of Carmi vs Stillman BancCorp N.A.
Metric by metric
| Measure | The First National Bank of Carmi | Stillman BancCorp N.A. |
|---|---|---|
| TellerScore | 75 (stronger) | 66 |
| Capital cushion | 64 (stronger) | 42 |
| Loan quality | 88 (stronger) | 78 |
| Earnings | 68 (stronger) | 52 |
| Funding & liquidity | 68 | 94 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 61st | 31st |
| Total assets | $622.2M | $645.6M |
| Deposits / shares | $545.5M | $570.9M |
| Capital ratio | 11.42% (stronger) | 9.20% |
| Problem loans | 0.35% (stronger) | 0.65% |
| Net charge-offs | -0.15% (stronger) | -0.02% |
| Return on assets | 1.19% (stronger) | 0.79% |
| Loans ÷ deposits | 77.5% | 52.6% (stronger) |
| Uninsured deposits | 28.5% | 20.3% (stronger) |
| Offices | 11 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | 11.1% |
The First National Bank of Carmi has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 5 and Stillman BancCorp N.A. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.