Side-by-side · Q2 2026 data
The First National Bank of Fletcher vs First American Bank
Metric by metric
| Measure | The First National Bank of Fletcher | First American Bank |
|---|---|---|
| TellerScore | 65 | 82 (stronger) |
| Capital cushion | 49 | 81 (stronger) |
| Loan quality | 64 | 78 (stronger) |
| Earnings | 54 | 83 (stronger) |
| Funding & liquidity | 92 (stronger) | 83 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 26th | 70th |
| Total assets | $23.4M | $34.3M |
| Deposits / shares | $21.2M | $29.5M |
| Capital ratio | 9.93% | 13.06% (stronger) |
| Problem loans | 1.07% | 0.67% (stronger) |
| Net charge-offs | -0.75% (stronger) | -0.09% |
| Return on assets | 0.86% | 1.57% (stronger) |
| Loans ÷ deposits | 18.6% (stronger) | 71.8% |
| Uninsured deposits | 22.5% | 19.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First American Bank has the higher TellerScore (82 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fletcher leads on 2 and First American Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.