Side-by-side · Q2 2026 data
Highlands Bank vs Hancock County Savings Bank, F.S.B.
Metric by metric
| Measure | Highlands Bank | Hancock County Savings Bank, F.S.B. |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 70 | 79 (stronger) |
| Earnings | 71 (stronger) | 59 |
| Funding & liquidity | 71 (stronger) | 53 |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 40th | 75th |
| Total assets | $407.1M | $508.0M |
| Deposits / shares | $356.8M | $401.2M |
| Capital ratio | 11.00% | 18.37% (stronger) |
| Problem loans | 0.91% | 0.63% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.27% (stronger) | 0.97% |
| Loans ÷ deposits | 85.8% (stronger) | 106.9% |
| Uninsured deposits | 18.3% | 7.9% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | — |
Hancock County Savings Bank, F.S.B. has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Highlands Bank leads on 3 and Hancock County Savings Bank, F.S.B. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.