Side-by-side · Q2 2026 data
First Bank of Thomas vs Bank of Hydro
Metric by metric
| Measure | First Bank of Thomas | Bank of Hydro |
|---|---|---|
| TellerScore | 64 | 76 (stronger) |
| Capital cushion | 76 (stronger) | 66 |
| Loan quality | 24 | 79 (stronger) |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 52 |
| Problem-loan coverage | 84 | 90 (stronger) |
| Peer percentile | 24th | 64th |
| Total assets | $63.2M | $180.8M |
| Deposits / shares | $55.7M | $156.9M |
| Capital ratio | 12.63% (stronger) | 11.56% |
| Problem loans | 2.29% | 0.64% (stronger) |
| Net charge-offs | 0.00% | -0.05% (stronger) |
| Return on assets | 1.18% | 2.70% (stronger) |
| Loans ÷ deposits | 49.3% (stronger) | 102.0% |
| Uninsured deposits | 24.0% | 20.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Hydro has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Thomas leads on 2 and Bank of Hydro on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.