Side-by-side · Q2 2026 data
The FNB Community Bank vs First State Bank of St. Peter
Metric by metric
| Measure | The FNB Community Bank | First State Bank of St. Peter |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 74 (stronger) | 43 |
| Earnings | 72 | 88 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 64th | 73rd |
| Total assets | $498.9M | $30.1M |
| Deposits / shares | $423.1M | $24.6M |
| Capital ratio | 12.57% | 18.52% (stronger) |
| Problem loans | 0.78% (stronger) | 1.71% |
| Net charge-offs | 0.02% (stronger) | 0.61% |
| Return on assets | 1.29% | 1.71% (stronger) |
| Loans ÷ deposits | 72.3% | 30.8% (stronger) |
| Uninsured deposits | 26.1% | 3.5% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
First State Bank of St. Peter has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The FNB Community Bank leads on 2 and First State Bank of St. Peter on 5. 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.