Side-by-side · Q2 2026 data
HomeTown Bank vs Platinum Bank
Metric by metric
| Measure | HomeTown Bank | Platinum Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 55 |
| Capital cushion | 33 | 35 (stronger) |
| Loan quality | 88 (stronger) | 73 |
| Earnings | 54 | 81 (stronger) |
| Funding & liquidity | 76 (stronger) | 10 |
| Problem-loan coverage | 94 (stronger) | 81 |
| Peer percentile | 26th | 11th |
| Total assets | $691.9M | $739.1M |
| Deposits / shares | $617.5M | $601.1M |
| Capital ratio | 8.27% | 8.55% (stronger) |
| Problem loans | 0.37% (stronger) | 0.81% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.85% | 1.53% (stronger) |
| Loans ÷ deposits | 82.4% (stronger) | 107.1% |
| Uninsured deposits | 16.3% (stronger) | 54.3% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.2% | 2.1% |
HomeTown Bank has the higher TellerScore (64 vs 55). On the 7 directional measures above (where higher or lower is clearly better), HomeTown Bank leads on 5 and Platinum Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.