Side-by-side · Q2 2026 data
HNB National Bank vs Peoples Bank & Trust Co.
Metric by metric
| Measure | HNB National Bank | Peoples Bank & Trust Co. |
|---|---|---|
| TellerScore | 81 (stronger) | 58 |
| Capital cushion | 47 | 50 (stronger) |
| Loan quality | 98 (stronger) | 24 |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 86 | 88 (stronger) |
| Problem-loan coverage | 99 (stronger) | 74 |
| Peer percentile | 91st | 16th |
| Total assets | $1.3B | $908.3M |
| Deposits / shares | $1.2B | $799.3M |
| Capital ratio | 9.72% | 9.96% (stronger) |
| Problem loans | 0.06% (stronger) | 2.27% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.66% (stronger) | 1.56% |
| Loans ÷ deposits | 74.1% | 61.2% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 25.1% |
| Offices | 17 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 11.2% |
HNB National Bank has the higher TellerScore (81 vs 58). On the 7 directional measures above (where higher or lower is clearly better), HNB National Bank leads on 5 and Peoples Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Troy, MO
- Bowling Green, MO
- Louisiana, MO