Side-by-side · Q2 2026 data
Highpoint Community Bank vs Thumb Bank and Trust
Metric by metric
| Measure | Highpoint Community Bank | Thumb Bank and Trust |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 35 | 44 (stronger) |
| Loan quality | 99 | 99 |
| Earnings | 52 | 86 (stronger) |
| Funding & liquidity | 69 | 78 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 31st | 68th |
| Total assets | $592.4M | $673.3M |
| Deposits / shares | $540.0M | $595.8M |
| Capital ratio | 8.45% | 9.44% (stronger) |
| Problem loans | 0.04% | 0.03% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.80% | 1.65% (stronger) |
| Loans ÷ deposits | 68.1% (stronger) | 69.5% |
| Uninsured deposits | 36.3% | 26.4% (stronger) |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | 18.3% |
Thumb Bank and Trust has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Highpoint Community Bank leads on 2 and Thumb Bank and Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.