Side-by-side · Q2 2026 data
Capital Bank vs HomeTown Bank, National Association
Metric by metric
| Measure | Capital Bank | HomeTown Bank, National Association |
|---|---|---|
| TellerScore | 77 (stronger) | 75 |
| Capital cushion | 58 | 63 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 88 (stronger) | 63 |
| Funding & liquidity | 47 | 57 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 68th | 61st |
| Total assets | $689.7M | $990.4M |
| Deposits / shares | $608.7M | $891.1M |
| Capital ratio | 10.81% | 11.33% (stronger) |
| Problem loans | 0.01% (stronger) | 0.04% |
| Net charge-offs | 0.11% | 0.01% (stronger) |
| Return on assets | 1.71% (stronger) | 1.07% |
| Loans ÷ deposits | 96.1% | 77.5% (stronger) |
| Uninsured deposits | 31.0% (stronger) | 38.1% |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.6% | — |
Capital Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Capital Bank leads on 4 and HomeTown Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.