Side-by-side · Q2 2026 data
Earlham Savings Bank vs Hardin County Savings Bank
Metric by metric
| Measure | Earlham Savings Bank | Hardin County Savings Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 62 |
| Capital cushion | 45 | 48 (stronger) |
| Loan quality | 70 (stronger) | 58 |
| Earnings | 62 | 67 (stronger) |
| Funding & liquidity | 93 (stronger) | 79 |
| Problem-loan coverage | 90 (stronger) | 74 |
| Peer percentile | 31st | 22nd |
| Total assets | $382.5M | $402.3M |
| Deposits / shares | $343.9M | $324.4M |
| Capital ratio | 9.53% | 9.79% (stronger) |
| Problem loans | 0.91% (stronger) | 1.25% |
| Net charge-offs | -0.07% (stronger) | 0.09% |
| Return on assets | 1.06% | 1.17% (stronger) |
| Loans ÷ deposits | 64.1% (stronger) | 76.4% |
| Uninsured deposits | 17.6% (stronger) | 19.1% |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.2% | — |
Earlham Savings Bank has the higher TellerScore (66 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Earlham Savings Bank leads on 5 and Hardin County Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.