Side-by-side · Q2 2026 data
HNB National Bank vs FMB Bank
Metric by metric
| Measure | HNB National Bank | FMB Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 61 |
| Capital cushion | 47 (stronger) | 25 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 100 (stronger) | 29 |
| Funding & liquidity | 86 | 86 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 91st | 19th |
| Total assets | $1.3B | $51.2M |
| Deposits / shares | $1.2B | $47.6M |
| Capital ratio | 9.72% (stronger) | 7.49% |
| Problem loans | 0.06% | 0.01% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 2.66% (stronger) | 0.22% |
| Loans ÷ deposits | 74.1% | 31.9% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 27.4% |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
HNB National Bank has the higher TellerScore (81 vs 61). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 4 and FMB Bank on 3. 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.