Side-by-side · Q2 2026 data
HCN Bank vs American Continental Bank
Metric by metric
| Measure | HCN Bank | American Continental Bank |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 27 | 59 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 75th | 91st |
| Total assets | $998.4M | $385.3M |
| Deposits / shares | $846.3M | $316.7M |
| Capital ratio | 11.70% | 16.23% (stronger) |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.22% (stronger) | 1.49% |
| Loans ÷ deposits | 91.7% | 89.2% (stronger) |
| Uninsured deposits | 52.5% | 25.8% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.4% |
American Continental Bank has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), HCN Bank leads on 2 and American Continental Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.