Side-by-side · Q2 2026 data
The First National Bank of Hartford vs North Alabama Bank
Metric by metric
| Measure | The First National Bank of Hartford | North Alabama Bank |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 79 (stronger) | 67 |
| Loan quality | 60 | 95 (stronger) |
| Earnings | 77 | 81 (stronger) |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 81 | 98 (stronger) |
| Peer percentile | 61st | 77th |
| Total assets | $173.0M | $178.6M |
| Deposits / shares | $152.3M | $156.0M |
| Capital ratio | 12.88% (stronger) | 11.73% |
| Problem loans | 1.19% | 0.15% (stronger) |
| Net charge-offs | 0.17% | 0.05% (stronger) |
| Return on assets | 1.43% | 1.53% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 88.4% |
| Uninsured deposits | 28.7% | 16.1% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 2.6% |
North Alabama Bank has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Hartford leads on 2 and North Alabama Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.