Side-by-side · Q2 2026 data
First Independent Bank vs HomeTown Bank
Metric by metric
| Measure | First Independent Bank | HomeTown Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 64 |
| Capital cushion | 49 (stronger) | 33 |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 82 (stronger) | 54 |
| Funding & liquidity | 76 | 76 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 64th | 26th |
| Total assets | $632.3M | $691.9M |
| Deposits / shares | $533.0M | $617.5M |
| Capital ratio | 9.87% (stronger) | 8.27% |
| Problem loans | 0.14% (stronger) | 0.37% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.55% (stronger) | 0.85% |
| Loans ÷ deposits | 82.0% (stronger) | 82.4% |
| Uninsured deposits | 16.8% | 16.3% (stronger) |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.2% |
First Independent Bank has the higher TellerScore (76 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First Independent Bank leads on 5 and HomeTown Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.