Side-by-side · Q2 2026 data
Hertford Savings Bank, SSB vs TowneBank
Metric by metric
| Measure | Hertford Savings Bank, SSB | TowneBank |
|---|---|---|
| TellerScore | 65 | 74 (stronger) |
| Capital cushion | 56 (stronger) | 50 |
| Loan quality | 93 | 93 |
| Earnings | 15 | 100 (stronger) |
| Funding & liquidity | 82 (stronger) | 43 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 26th | 87th |
| Total assets | $20.7M | $22.6B |
| Deposits / shares | $18.5M | $18.8B |
| Capital ratio | 10.64% (stronger) | 10.00% |
| Problem loans | 0.22% | 0.22% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | -0.12% | 2.17% (stronger) |
| Loans ÷ deposits | 78.5% (stronger) | 81.2% |
| Uninsured deposits | 4.2% (stronger) | 48.0% |
| Offices | 1 | 77 |
| CFPB complaints (3 yrs) | — | 39 |
| Complaints per $1B deposits | — | 2.1 |
| Mortgage denial rate (HMDA) | — | 6.6% |
TowneBank has the higher TellerScore (74 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Hertford Savings Bank, SSB leads on 4 and TowneBank on 3. 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.