Side-by-side · Q2 2026 data
VeraBank, National Association vs First National Bank of Huntsville
Metric by metric
| Measure | VeraBank, National Association | First National Bank of Huntsville |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 60 | 83 (stronger) |
| Loan quality | 68 | 98 (stronger) |
| Earnings | 84 | 90 (stronger) |
| Funding & liquidity | 76 | 86 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 66th | 95th |
| Total assets | $4.6B | $584.9M |
| Deposits / shares | $4.0B | $501.6M |
| Capital ratio | 11.03% | 13.29% (stronger) |
| Problem loans | 0.96% | 0.05% (stronger) |
| Net charge-offs | 0.10% | 0.00% (stronger) |
| Return on assets | 1.61% | 1.74% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 69.7% |
| Uninsured deposits | 29.0% | 19.2% (stronger) |
| Offices | 42 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.4% |
First National Bank of Huntsville has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 1 and First National Bank of Huntsville on 6. 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.