Side-by-side · Q2 2026 data
HNB First Bank vs 22nd State Banking Company
Metric by metric
| Measure | HNB First Bank | 22nd State Banking Company |
|---|---|---|
| TellerScore | 64 (stronger) | 41 |
| Capital cushion | 45 | 61 (stronger) |
| Loan quality | 79 (stronger) | 0 |
| Earnings | 66 (stronger) | 40 |
| Funding & liquidity | 57 (stronger) | 55 |
| Problem-loan coverage | 89 (stronger) | 62 |
| Peer percentile | 26th | 3rd |
| Total assets | $282.4M | $292.2M |
| Deposits / shares | $253.7M | $241.9M |
| Capital ratio | 9.53% | 11.12% (stronger) |
| Problem loans | 0.63% (stronger) | 3.39% |
| Net charge-offs | 0.01% (stronger) | 4.31% |
| Return on assets | 1.15% (stronger) | 0.51% |
| Loans ÷ deposits | 87.0% (stronger) | 87.9% |
| Uninsured deposits | 29.9% (stronger) | 30.4% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
HNB First Bank has the higher TellerScore (64 vs 41). On the 7 directional measures above (where higher or lower is clearly better), HNB First Bank leads on 6 and 22nd State Banking Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.