Side-by-side · Q2 2026 data
The First National Bank of Raymond vs State Bank of Bement
Metric by metric
| Measure | The First National Bank of Raymond | State Bank of Bement |
|---|---|---|
| TellerScore | 78 (stronger) | 67 |
| Capital cushion | 59 (stronger) | 52 |
| Loan quality | 86 (stronger) | 82 |
| Earnings | 73 (stronger) | 47 |
| Funding & liquidity | 95 (stronger) | 81 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 72nd | 34th |
| Total assets | $187.1M | $185.6M |
| Deposits / shares | $172.3M | $165.9M |
| Capital ratio | 10.91% (stronger) | 10.19% |
| Problem loans | 0.42% (stronger) | 0.54% |
| Net charge-offs | -0.10% (stronger) | 0.05% |
| Return on assets | 1.33% (stronger) | 0.68% |
| Loans ÷ deposits | 47.4% (stronger) | 65.1% |
| Uninsured deposits | 19.7% (stronger) | 28.1% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 10.0% |
The First National Bank of Raymond has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Raymond leads on 7 and State Bank of Bement on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.