Side-by-side · Q2 2026 data
HCN Bank vs Legacy Bank
Metric by metric
| Measure | HCN Bank | Legacy Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 38 |
| Capital cushion | 67 (stronger) | 33 |
| Loan quality | 100 (stronger) | 46 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 27 | 59 (stronger) |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 75th | 2nd |
| Total assets | $998.4M | $112.8M |
| Deposits / shares | $846.3M | $101.6M |
| Capital ratio | 11.70% (stronger) | 8.29% |
| Problem loans | 0.00% (stronger) | 1.61% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 2.22% (stronger) | -2.01% |
| Loans ÷ deposits | 91.7% | 74.7% (stronger) |
| Uninsured deposits | 52.5% | 39.4% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
HCN Bank has the higher TellerScore (79 vs 38). On the 7 directional measures above (where higher or lower is clearly better), HCN Bank leads on 5 and Legacy Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.