Wells Fargo Trust Co NA vs Fnbt Bank
Side-by-side bank health comparison using FDIC financial data
Wells Fargo Trust Co NA (A) and Fnbt Bank (A) are close on the BankHealth rubric. Asset bases: $1.4B versus $597M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Wells Fargo Trust Co NA has a stronger Bank Health Score of 100/100 (A) compared to Fnbt Bank at 100/100 (A), a difference of 0 points. Wells Fargo Trust Co NA holds a Tier 1 capital ratio of 96.2% and an NPL ratio of 0.00%.
| Metric | Wells Fargo Trust Co NA | Fnbt Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 96.2%* | 24.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 56.4%* | 54.5% |
| Return on Assets Profitability metric (above 1% is strong) | 3.6%* | 2.2% |
| Total Assets | $1.4B | $597M |
| Total Deposits | $0 | $527M |
| Location | Ogden, Utah | Fort Walton Beac, Florida |
Wells Fargo Trust Co NA has a stronger Bank Health Score of 100/100 (A) compared to Fnbt Bank at 100/100 (A), a difference of 0 points. Wells Fargo Trust Co NA holds a Tier 1 capital ratio of 96.2% and an NPL ratio of 0.00%.