Side-by-side · Q2 2026 data
HCN Bank vs Capital Bank and Trust Company
Metric by metric
| Measure | HCN Bank | Capital Bank and Trust Company |
|---|---|---|
| TellerScore | 79 | 94 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 | 100 |
| Funding & liquidity | 27 | 61 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 75th | 98th |
| Total assets | $998.4M | $266.1M |
| Deposits / shares | $846.3M | $500K |
| Capital ratio | 11.70% | 79.26% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.22% | 81.14% (stronger) |
| Loans ÷ deposits | 91.7% | 0.0% (stronger) |
| Uninsured deposits | 52.5% | 50.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 79). On the 6 directional measures above (where higher or lower is clearly better), HCN Bank leads on 0 and Capital Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.