Side-by-side · Q2 2026 data
First National Bank of Tennessee vs Homeland Community Bank
Metric by metric
| Measure | First National Bank of Tennessee | Homeland Community Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 66 (stronger) | 35 |
| Loan quality | 91 (stronger) | 88 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 91 | 93 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 97th | 34th |
| Total assets | $1.4B | $244.1M |
| Deposits / shares | $1.2B | $227.2M |
| Capital ratio | 11.55% (stronger) | 8.46% |
| Problem loans | 0.28% (stronger) | 0.36% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 2.11% (stronger) | 0.91% |
| Loans ÷ deposits | 58.6% (stronger) | 59.8% |
| Uninsured deposits | 23.1% | 21.6% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Tennessee has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Tennessee leads on 6 and Homeland Community Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.