Side-by-side · Q2 2026 data
1st National Bank vs Hometown Bank
Metric by metric
| Measure | 1st National Bank | Hometown Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 54 |
| Capital cushion | 46 (stronger) | 32 |
| Loan quality | 75 | 80 (stronger) |
| Earnings | 43 (stronger) | 27 |
| Funding & liquidity | 71 (stronger) | 67 |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 20th | 10th |
| Total assets | $247.2M | $254.9M |
| Deposits / shares | $214.3M | $216.8M |
| Capital ratio | 9.56% (stronger) | 8.17% |
| Problem loans | 0.74% | 0.61% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 0.57% (stronger) | 0.19% |
| Loans ÷ deposits | 79.1% (stronger) | 88.3% |
| Uninsured deposits | 23.9% | 19.2% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | 4.0% |
1st National Bank has the higher TellerScore (61 vs 54). On the 7 directional measures above (where higher or lower is clearly better), 1st National Bank leads on 4 and Hometown Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.