Side-by-side · Q2 2026 data
The First National Bank of Pandora vs Somerville Bank
Metric by metric
| Measure | The First National Bank of Pandora | Somerville Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 60 |
| Capital cushion | 31 | 45 (stronger) |
| Loan quality | 91 (stronger) | 63 |
| Earnings | 56 (stronger) | 50 |
| Funding & liquidity | 80 | 84 (stronger) |
| Problem-loan coverage | 96 (stronger) | 83 |
| Peer percentile | 29th | 19th |
| Total assets | $299.0M | $290.6M |
| Deposits / shares | $275.1M | $260.7M |
| Capital ratio | 8.07% | 9.54% (stronger) |
| Problem loans | 0.27% (stronger) | 1.10% |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 0.89% (stronger) | 0.74% |
| Loans ÷ deposits | 72.3% (stronger) | 75.9% |
| Uninsured deposits | 21.7% | 11.0% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 9.0% |
The First National Bank of Pandora has the higher TellerScore (65 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Pandora leads on 4 and Somerville Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.