Side-by-side · Q2 2026 data
The First National Bank of Carmi vs Washington Savings Bank
Metric by metric
| Measure | The First National Bank of Carmi | Washington Savings Bank |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 64 | 71 (stronger) |
| Loan quality | 88 | 90 (stronger) |
| Earnings | 68 (stronger) | 51 |
| Funding & liquidity | 68 | 87 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 61st | 68th |
| Total assets | $622.2M | $585.3M |
| Deposits / shares | $545.5M | $504.4M |
| Capital ratio | 11.42% | 12.07% (stronger) |
| Problem loans | 0.35% | 0.29% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.07% |
| Return on assets | 1.19% (stronger) | 0.77% |
| Loans ÷ deposits | 77.5% | 69.9% (stronger) |
| Uninsured deposits | 28.5% | 17.6% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
Washington Savings Bank 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 2 and Washington Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.