Side-by-side · Q2 2026 data
Home National Bank vs The First Central National Bank of St. Paris
Bank
The First Central National Bank of St. Paris
St. Paris, Ohio · Under $100 million in assets
Metric by metric
| Measure | Home National Bank | The First Central National Bank of St. Paris |
|---|---|---|
| TellerScore | 52 | 87 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 19 | 99 (stronger) |
| Earnings | 56 (stronger) | 50 |
| Funding & liquidity | 83 | 84 (stronger) |
| Problem-loan coverage | 71 | 100 (stronger) |
| Peer percentile | 11th | 84th |
| Total assets | $95.0M | $97.0M |
| Deposits / shares | $84.0M | $76.8M |
| Capital ratio | 10.46% | 18.89% (stronger) |
| Problem loans | 2.43% | 0.02% (stronger) |
| Net charge-offs | 0.28% | 0.00% (stronger) |
| Return on assets | 0.90% (stronger) | 0.75% |
| Loans ÷ deposits | 67.3% (stronger) | 76.2% |
| Uninsured deposits | 23.5% | 10.6% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First Central National Bank of St. Paris has the higher TellerScore (87 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Home National Bank leads on 2 and The First Central National Bank of St. Paris on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.