Side-by-side · Q2 2026 data
The First National Bank of Litchfield vs Philo Exchange Bank
Metric by metric
| Measure | The First National Bank of Litchfield | Philo Exchange Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 65 (stronger) | 52 |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 76 (stronger) | 60 |
| Funding & liquidity | 55 | 90 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 68th | 64th |
| Total assets | $150.4M | $156.6M |
| Deposits / shares | $131.8M | $130.3M |
| Capital ratio | 11.50% (stronger) | 10.18% |
| Problem loans | 0.13% | 0.02% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.39% (stronger) | 1.01% |
| Loans ÷ deposits | 84.4% | 67.6% (stronger) |
| Uninsured deposits | 33.4% | 17.5% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Litchfield has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Litchfield leads on 4 and Philo Exchange Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.