Side-by-side · Q2 2026 data
HNB National Bank vs Bank of Calhoun County
Metric by metric
| Measure | HNB National Bank | Bank of Calhoun County |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 47 | 47 |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 86 | 94 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 91st | 51st |
| Total assets | $1.3B | $99.5M |
| Deposits / shares | $1.2B | $89.7M |
| Capital ratio | 9.72% (stronger) | 9.72% |
| Problem loans | 0.06% (stronger) | 0.23% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.66% (stronger) | 1.07% |
| Loans ÷ deposits | 74.1% | 58.4% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 20.7% |
| Offices | 17 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 0.0% |
HNB National Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 5 and Bank of Calhoun County on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.