Side-by-side · Q2 2026 data
HNB National Bank vs Eagle Valley Bank
Metric by metric
| Measure | HNB National Bank | Eagle Valley Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 72 |
| Capital cushion | 47 | 54 (stronger) |
| Loan quality | 98 (stronger) | 80 |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 86 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 91st | 50th |
| Total assets | $1.3B | $229.6M |
| Deposits / shares | $1.2B | $203.0M |
| Capital ratio | 9.72% | 10.44% (stronger) |
| Problem loans | 0.06% (stronger) | 0.60% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.66% (stronger) | 1.60% |
| Loans ÷ deposits | 74.1% (stronger) | 93.3% |
| Uninsured deposits | 14.2% | 8.5% (stronger) |
| Offices | 17 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
HNB National Bank has the higher TellerScore (81 vs 72). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 5 and Eagle Valley Bank 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.