Side-by-side · Q2 2026 data
HomeTown Bank, National Association vs Texas Bank
Metric by metric
| Measure | HomeTown Bank, National Association | Texas Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 63 (stronger) | 56 |
| Loan quality | 99 (stronger) | 85 |
| Earnings | 63 | 68 (stronger) |
| Funding & liquidity | 57 | 61 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 61st | 43rd |
| Total assets | $990.4M | $953.9M |
| Deposits / shares | $891.1M | $824.0M |
| Capital ratio | 11.33% (stronger) | 10.61% |
| Problem loans | 0.04% (stronger) | 0.46% |
| Net charge-offs | 0.01% (stronger) | 0.52% |
| Return on assets | 1.07% | 1.20% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 83.9% |
| Uninsured deposits | 38.1% | 28.5% (stronger) |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.1% |
HomeTown Bank, National Association has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), HomeTown Bank, National Association leads on 5 and Texas Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.