Side-by-side · Q2 2026 data
HNB First Bank vs Friend Bank
Metric by metric
| Measure | HNB First Bank | Friend Bank |
|---|---|---|
| TellerScore | 64 | 85 (stronger) |
| Capital cushion | 45 | 85 (stronger) |
| Loan quality | 79 | 84 (stronger) |
| Earnings | 66 | 87 (stronger) |
| Funding & liquidity | 57 | 75 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 26th | 88th |
| Total assets | $282.4M | $221.0M |
| Deposits / shares | $253.7M | $190.9M |
| Capital ratio | 9.53% | 13.52% (stronger) |
| Problem loans | 0.63% | 0.48% (stronger) |
| Net charge-offs | 0.01% | -0.12% (stronger) |
| Return on assets | 1.15% | 1.67% (stronger) |
| Loans ÷ deposits | 87.0% | 73.3% (stronger) |
| Uninsured deposits | 29.9% | 25.4% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 6.8% |
Friend Bank has the higher TellerScore (85 vs 64). On the 7 directional measures above (where higher or lower is clearly better), HNB First Bank leads on 0 and Friend Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.