Side-by-side · Q2 2026 data
Home Banking Company vs The Hardin County Bank
Metric by metric
| Measure | Home Banking Company | The Hardin County Bank |
|---|---|---|
| TellerScore | 57 | 76 (stronger) |
| Capital cushion | 51 | 58 (stronger) |
| Loan quality | 50 | 95 (stronger) |
| Earnings | 37 | 72 (stronger) |
| Funding & liquidity | 88 (stronger) | 73 |
| Problem-loan coverage | 84 | 93 (stronger) |
| Peer percentile | 14th | 64th |
| Total assets | $124.0M | $676.7M |
| Deposits / shares | $111.5M | $600.3M |
| Capital ratio | 10.08% | 10.84% (stronger) |
| Problem loans | 1.49% | 0.16% (stronger) |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 0.42% | 1.29% (stronger) |
| Loans ÷ deposits | 55.6% (stronger) | 85.6% |
| Uninsured deposits | 25.7% | 16.3% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Hardin County Bank has the higher TellerScore (76 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Home Banking Company leads on 1 and The Hardin County Bank on 6. 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.