Side-by-side · Q2 2026 data
Ciera Bank vs HomeTown Bank, National Association
Metric by metric
| Measure | Ciera Bank | HomeTown Bank, National Association |
|---|---|---|
| TellerScore | 66 | 75 (stronger) |
| Capital cushion | 61 | 63 (stronger) |
| Loan quality | 59 | 99 (stronger) |
| Earnings | 80 (stronger) | 63 |
| Funding & liquidity | 54 | 57 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 31st | 61st |
| Total assets | $992.9M | $990.4M |
| Deposits / shares | $868.8M | $891.1M |
| Capital ratio | 11.13% | 11.33% (stronger) |
| Problem loans | 1.22% | 0.04% (stronger) |
| Net charge-offs | 0.22% | 0.01% (stronger) |
| Return on assets | 1.50% (stronger) | 1.07% |
| Loans ÷ deposits | 86.5% | 77.5% (stronger) |
| Uninsured deposits | 32.7% (stronger) | 38.1% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | — |
HomeTown Bank, National Association has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Ciera Bank leads on 2 and HomeTown Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.