Side-by-side · Q2 2026 data
Hometown Community Bank vs Community Bank Owatonna
Metric by metric
| Measure | Hometown Community Bank | Community Bank Owatonna |
|---|---|---|
| TellerScore | 57 | 63 (stronger) |
| Capital cushion | 41 (stronger) | 30 |
| Loan quality | 41 | 86 (stronger) |
| Earnings | 93 (stronger) | 52 |
| Funding & liquidity | 61 | 84 (stronger) |
| Problem-loan coverage | 69 | 92 (stronger) |
| Peer percentile | 14th | 24th |
| Total assets | $105.7M | $103.3M |
| Deposits / shares | $90.8M | $94.7M |
| Capital ratio | 9.09% (stronger) | 7.98% |
| Problem loans | 1.78% | 0.42% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.84% (stronger) | 0.81% |
| Loans ÷ deposits | 99.1% | 76.6% (stronger) |
| Uninsured deposits | 11.5% (stronger) | 12.7% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Bank Owatonna has the higher TellerScore (63 vs 57). On the 6 directional measures above (where higher or lower is clearly better), Hometown Community Bank leads on 3 and Community Bank Owatonna on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.