Side-by-side · Q2 2026 data
HCN Bank vs Summit State Bank
Metric by metric
| Measure | HCN Bank | Summit State Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 42 |
| Capital cushion | 67 (stronger) | 58 |
| Loan quality | 100 (stronger) | 19 |
| Earnings | 100 (stronger) | 23 |
| Funding & liquidity | 27 | 62 (stronger) |
| Problem-loan coverage | 100 (stronger) | 64 |
| Peer percentile | 75th | 3rd |
| Total assets | $998.4M | $959.8M |
| Deposits / shares | $846.3M | $846.1M |
| Capital ratio | 11.70% (stronger) | 10.84% |
| Problem loans | 0.00% (stronger) | 2.43% |
| Net charge-offs | 0.00% (stronger) | 2.17% |
| Return on assets | 2.22% (stronger) | 0.07% |
| Loans ÷ deposits | 91.7% | 88.2% (stronger) |
| Uninsured deposits | 52.5% | 24.4% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
HCN Bank has the higher TellerScore (79 vs 42). On the 7 directional measures above (where higher or lower is clearly better), HCN Bank leads on 5 and Summit State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.