Side-by-side · Q2 2026 data
Ynb vs First Bank & Trust Company
Metric by metric
| Measure | Ynb | First Bank & Trust Company |
|---|---|---|
| TellerScore | 60 | 78 (stronger) |
| Capital cushion | 35 | 63 (stronger) |
| Loan quality | 87 (stronger) | 76 |
| Earnings | 42 | 89 (stronger) |
| Funding & liquidity | 77 | 85 (stronger) |
| Problem-loan coverage | 81 | 92 (stronger) |
| Peer percentile | 19th | 72nd |
| Total assets | $261.4M | $255.2M |
| Deposits / shares | $232.5M | $229.3M |
| Capital ratio | 8.45% | 11.34% (stronger) |
| Problem loans | 0.39% (stronger) | 0.73% |
| Net charge-offs | 0.05% (stronger) | 1.63% |
| Return on assets | 0.55% | 1.73% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 65.1% |
| Uninsured deposits | 33.8% | 23.8% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | 10.9% |
First Bank & Trust Company has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Ynb leads on 3 and First Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.