Side-by-side · Q2 2026 data
Habib American Bank vs Ponce Bank, National Association
Metric by metric
| Measure | Habib American Bank | Ponce Bank, National Association |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 76 (stronger) | 73 |
| Earnings | 60 | 66 (stronger) |
| Funding & liquidity | 70 (stronger) | 45 |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 24th | 83rd |
| Total assets | $2.8B | $3.5B |
| Deposits / shares | $2.4B | $2.3B |
| Capital ratio | 8.49% | 15.81% (stronger) |
| Problem loans | 0.73% (stronger) | 0.81% |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 0.99% | 1.15% (stronger) |
| Loans ÷ deposits | 78.1% (stronger) | 126.1% |
| Uninsured deposits | 25.7% | 20.1% (stronger) |
| Offices | 6 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.8% |
Ponce Bank, National Association has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Habib American Bank leads on 3 and Ponce Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.