Side-by-side · Q2 2026 data
HCN Bank vs First Commercial Bank (USA)
Metric by metric
| Measure | HCN Bank | First Commercial Bank (USA) |
|---|---|---|
| TellerScore | 79 (stronger) | 71 |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 27 (stronger) | 20 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 75th | 47th |
| Total assets | $998.4M | $849.9M |
| Deposits / shares | $846.3M | $646.8M |
| Capital ratio | 11.70% | 23.27% (stronger) |
| Problem loans | 0.00% (stronger) | 1.05% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.22% (stronger) | 1.10% |
| Loans ÷ deposits | 91.7% (stronger) | 111.5% |
| Uninsured deposits | 52.5% | 42.6% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
HCN Bank has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), HCN Bank leads on 4 and First Commercial Bank (USA) on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.