Side-by-side · Q2 2026 data
Hickory Point Bank and Trust vs Time Bank
Metric by metric
| Measure | Hickory Point Bank and Trust | Time Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 70 |
| Capital cushion | 60 | 69 (stronger) |
| Loan quality | 94 (stronger) | 42 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 80 (stronger) | 72 |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 68th | 43rd |
| Total assets | $717.5M | $712.8M |
| Deposits / shares | $626.8M | $608.2M |
| Capital ratio | 11.04% | 11.91% (stronger) |
| Problem loans | 0.18% (stronger) | 1.75% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.22% | 2.02% (stronger) |
| Loans ÷ deposits | 69.0% (stronger) | 84.1% |
| Uninsured deposits | 25.1% | 19.1% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Hickory Point Bank and Trust has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Hickory Point Bank and Trust leads on 4 and Time Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.