Side-by-side · Q2 2026 data
Home Banking Company vs Central Bank
Metric by metric
| Measure | Home Banking Company | Central Bank |
|---|---|---|
| TellerScore | 57 | 78 (stronger) |
| Capital cushion | 51 | 70 (stronger) |
| Loan quality | 50 | 100 (stronger) |
| Earnings | 37 | 50 (stronger) |
| Funding & liquidity | 88 (stronger) | 79 |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 14th | 72nd |
| Total assets | $124.0M | $160.2M |
| Deposits / shares | $111.5M | $141.1M |
| Capital ratio | 10.08% | 11.95% (stronger) |
| Problem loans | 1.49% | 0.00% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.65% |
| Return on assets | 0.42% | 0.75% (stronger) |
| Loans ÷ deposits | 55.6% (stronger) | 80.8% |
| Uninsured deposits | 25.7% | 15.0% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Bank has the higher TellerScore (78 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Home Banking Company leads on 2 and Central Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.