Side-by-side · Q2 2026 data
The FNB Community Bank vs First State Bank and Trust
Metric by metric
| Measure | The FNB Community Bank | First State Bank and Trust |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 76 (stronger) | 42 |
| Loan quality | 74 | 85 (stronger) |
| Earnings | 72 | 86 (stronger) |
| Funding & liquidity | 75 | 85 (stronger) |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 64th | 53rd |
| Total assets | $498.9M | $509.6M |
| Deposits / shares | $423.1M | $464.3M |
| Capital ratio | 12.57% (stronger) | 9.25% |
| Problem loans | 0.78% | 0.44% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.29% | 1.65% (stronger) |
| Loans ÷ deposits | 72.3% | 42.7% (stronger) |
| Uninsured deposits | 26.1% (stronger) | 29.2% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | 5.9% |
The FNB Community Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The FNB Community Bank leads on 3 and First State Bank and Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.