Side-by-side · Q2 2026 data
The First National Bank of Gilbert vs Northern State Bank
Metric by metric
| Measure | The First National Bank of Gilbert | Northern State Bank |
|---|---|---|
| TellerScore | 59 | 78 (stronger) |
| Capital cushion | 21 | 49 (stronger) |
| Loan quality | 95 (stronger) | 93 |
| Earnings | 46 | 86 (stronger) |
| Funding & liquidity | 69 | 89 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 18th | 72nd |
| Total assets | $86.0M | $330.8M |
| Deposits / shares | $76.0M | $297.1M |
| Capital ratio | 7.12% | 9.92% (stronger) |
| Problem loans | 0.16% (stronger) | 0.22% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.66% | 1.66% (stronger) |
| Loans ÷ deposits | 91.2% | 52.1% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 25.1% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 14.7% |
Northern State Bank has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Gilbert leads on 2 and Northern State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.