Side-by-side · Q2 2026 data
The FNB Community Bank vs Sterling Federal Bank, F.S.B.
Metric by metric
| Measure | The FNB Community Bank | Sterling Federal Bank, F.S.B. |
|---|---|---|
| TellerScore | 76 (stronger) | 20 |
| Capital cushion | 76 (stronger) | 27 |
| Loan quality | 74 (stronger) | 0 |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 75 | 79 (stronger) |
| Problem-loan coverage | 91 (stronger) | 3 |
| Peer percentile | 64th | 0th |
| Total assets | $498.9M | $481.6M |
| Deposits / shares | $423.1M | $403.4M |
| Capital ratio | 12.57% (stronger) | 7.67% |
| Problem loans | 0.78% (stronger) | 6.26% |
| Net charge-offs | 0.02% (stronger) | 4.07% |
| Return on assets | 1.29% (stronger) | -2.24% |
| Loans ÷ deposits | 72.3% (stronger) | 81.3% |
| Uninsured deposits | 26.1% | 8.7% (stronger) |
| Offices | 7 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | — |
The FNB Community Bank has the higher TellerScore (76 vs 20). On the 7 directional measures above (where higher or lower is clearly better), The FNB Community Bank leads on 6 and Sterling Federal Bank, F.S.B. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.