Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs First National Bank
Metric by metric
| Measure | The James Polk Stone Community Bank | First National Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 42 |
| Capital cushion | 50 | 53 (stronger) |
| Loan quality | 53 (stronger) | 0 |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 59 | 77 (stronger) |
| Problem-loan coverage | 86 (stronger) | 21 |
| Peer percentile | 31st | 3rd |
| Total assets | $443.8M | $452.8M |
| Deposits / shares | $379.3M | $425.4M |
| Capital ratio | 9.98% | 10.31% (stronger) |
| Problem loans | 1.41% (stronger) | 5.29% |
| Net charge-offs | 0.20% | 0.02% (stronger) |
| Return on assets | 2.08% (stronger) | 1.08% |
| Loans ÷ deposits | 54.1% | 50.7% (stronger) |
| Uninsured deposits | 51.9% | 35.9% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The James Polk Stone Community Bank has the higher TellerScore (66 vs 42). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 3 and First National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.