Side-by-side · Q2 2026 data
The First National Bank of Sparta vs North County Savings Bank
Metric by metric
| Measure | The First National Bank of Sparta | North County Savings Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 68 |
| Capital cushion | 76 (stronger) | 35 |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 98 (stronger) | 37 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 86th | 33rd |
| Total assets | $114.6M | $63.2M |
| Deposits / shares | $101.1M | $57.9M |
| Capital ratio | 12.64% (stronger) | 8.45% |
| Problem loans | 0.56% | 0.00% (stronger) |
| Net charge-offs | 0.15% | 0.04% (stronger) |
| Return on assets | 1.95% (stronger) | 0.42% |
| Loans ÷ deposits | 48.7% (stronger) | 48.9% |
| Uninsured deposits | 32.4% | 4.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Sparta has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Sparta leads on 4 and North County Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.