Side-by-side · Q2 2026 data
Hamlin Bank and Trust Company vs Community State Bank of Orbisonia
Metric by metric
| Measure | Hamlin Bank and Trust Company | Community State Bank of Orbisonia |
|---|---|---|
| TellerScore | 89 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 68 | 84 (stronger) |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 83 (stronger) | 78 |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 94th | 31st |
| Total assets | $503.4M | $473.5M |
| Deposits / shares | $389.3M | $424.3M |
| Capital ratio | 19.96% (stronger) | 9.99% |
| Problem loans | 0.96% | 0.49% (stronger) |
| Net charge-offs | 0.14% | 0.08% (stronger) |
| Return on assets | 3.02% (stronger) | 0.64% |
| Loans ÷ deposits | 77.4% (stronger) | 82.7% |
| Uninsured deposits | 13.3% | 7.9% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.7% |
Hamlin Bank and Trust Company has the higher TellerScore (89 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Hamlin Bank and Trust Company leads on 4 and Community State Bank of Orbisonia on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.