Side-by-side · Q2 2026 data
The First National Bank of Sycamore vs Civista Bank
Metric by metric
| Measure | The First National Bank of Sycamore | Civista Bank |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 50 | 77 (stronger) |
| Loan quality | 98 (stronger) | 69 |
| Earnings | 69 | 78 (stronger) |
| Funding & liquidity | 79 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 61st | 77th |
| Total assets | $239.4M | $4.3B |
| Deposits / shares | $207.4M | $3.5B |
| Capital ratio | 9.96% | 12.71% (stronger) |
| Problem loans | 0.06% (stronger) | 0.92% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.22% | 1.45% (stronger) |
| Loans ÷ deposits | 73.0% (stronger) | 92.4% |
| Uninsured deposits | 22.3% | 18.3% (stronger) |
| Offices | 4 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First National Bank of Sycamore leads on 3 and Civista Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.