Side-by-side · Q2 2026 data
The First National Bank of Fleming vs Points West Community Bank
Metric by metric
| Measure | The First National Bank of Fleming | Points West Community Bank |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 83 (stronger) | 42 |
| Loan quality | 63 | 98 (stronger) |
| Earnings | 56 | 78 (stronger) |
| Funding & liquidity | 59 | 84 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 37th | 61st |
| Total assets | $30.7M | $877.6M |
| Deposits / shares | $25.0M | $768.0M |
| Capital ratio | 13.29% (stronger) | 9.22% |
| Problem loans | 1.12% | 0.06% (stronger) |
| Net charge-offs | 0.32% | 0.00% (stronger) |
| Return on assets | 0.89% | 1.45% (stronger) |
| Loans ÷ deposits | 101.6% | 59.8% (stronger) |
| Uninsured deposits | 8.9% (stronger) | 29.3% |
| Offices | 1 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Points West Community Bank has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fleming leads on 2 and Points West Community Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.