Side-by-side · Q2 2026 data
The First National Bank of Spearville vs Bank of Holyrood
Metric by metric
| Measure | The First National Bank of Spearville | Bank of Holyrood |
|---|---|---|
| TellerScore | 56 | 66 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 0 | 3 (stronger) |
| Earnings | 76 (stronger) | 72 |
| Funding & liquidity | 92 (stronger) | 88 |
| Problem-loan coverage | 70 | 75 (stronger) |
| Peer percentile | 15th | 28th |
| Total assets | $62.1M | $69.8M |
| Deposits / shares | $53.6M | $58.9M |
| Capital ratio | 11.80% | 16.68% (stronger) |
| Problem loans | 4.06% | 2.92% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.72% |
| Return on assets | 1.39% (stronger) | 1.29% |
| Loans ÷ deposits | 58.8% (stronger) | 68.0% |
| Uninsured deposits | 22.1% | 19.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Holyrood has the higher TellerScore (66 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Spearville leads on 3 and Bank of Holyrood on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.