Side-by-side · Q2 2026 data
The FNB Community Bank vs First State Bank of Beecher City
Metric by metric
| Measure | The FNB Community Bank | First State Bank of Beecher City |
|---|---|---|
| TellerScore | 76 | 88 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 74 (stronger) | 73 |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 71 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 64th | 92nd |
| Total assets | $498.9M | $112.2M |
| Deposits / shares | $423.1M | $93.7M |
| Capital ratio | 12.57% | 15.98% (stronger) |
| Problem loans | 0.78% (stronger) | 0.81% |
| Net charge-offs | 0.02% (stronger) | 0.14% |
| Return on assets | 1.29% | 2.72% (stronger) |
| Loans ÷ deposits | 72.3% (stronger) | 87.9% |
| Uninsured deposits | 26.1% | 16.2% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
First State Bank of Beecher City has the higher TellerScore (88 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The FNB Community Bank leads on 3 and First State Bank of Beecher City on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.