Side-by-side · Q2 2026 data
HNB National Bank vs Exchange Bank & Trust
Metric by metric
| Measure | HNB National Bank | Exchange Bank & Trust |
|---|---|---|
| TellerScore | 81 | 88 (stronger) |
| Capital cushion | 47 | 80 (stronger) |
| Loan quality | 98 (stronger) | 92 |
| Earnings | 100 (stronger) | 88 |
| Funding & liquidity | 86 | 89 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 91st | 92nd |
| Total assets | $1.3B | $626.8M |
| Deposits / shares | $1.2B | $539.7M |
| Capital ratio | 9.72% | 12.97% (stronger) |
| Problem loans | 0.06% (stronger) | 0.23% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.66% (stronger) | 1.70% |
| Loans ÷ deposits | 74.1% | 66.8% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 18.5% |
| Offices | 17 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 10.7% |
Exchange Bank & Trust has the higher TellerScore (88 vs 81). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 4 and Exchange Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.