Side-by-side · Q2 2026 data
First National Bank vs Home Bank SB
Metric by metric
| Measure | First National Bank | Home Bank SB |
|---|---|---|
| TellerScore | 61 | 71 (stronger) |
| Capital cushion | 45 | 75 (stronger) |
| Loan quality | 77 (stronger) | 71 |
| Earnings | 37 | 46 (stronger) |
| Funding & liquidity | 79 | 81 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 20th | 47th |
| Total assets | $418.5M | $433.1M |
| Deposits / shares | $383.1M | $370.9M |
| Capital ratio | 9.50% | 12.46% (stronger) |
| Problem loans | 0.70% (stronger) | 0.86% |
| Net charge-offs | 0.02% (stronger) | 0.03% |
| Return on assets | 0.42% | 0.65% (stronger) |
| Loans ÷ deposits | 58.5% (stronger) | 69.6% |
| Uninsured deposits | 34.0% | 24.0% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Home Bank SB has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 3 and Home Bank SB on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.