Side-by-side · Q2 2026 data
Hometown Community Bank vs National Bank of Commerce
Metric by metric
| Measure | Hometown Community Bank | National Bank of Commerce |
|---|---|---|
| TellerScore | 57 | 70 (stronger) |
| Capital cushion | 41 | 43 (stronger) |
| Loan quality | 41 | 79 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 61 (stronger) | 53 |
| Problem-loan coverage | 69 | 91 (stronger) |
| Peer percentile | 14th | 58th |
| Total assets | $105.7M | $2.2B |
| Deposits / shares | $90.8M | $1.9B |
| Capital ratio | 9.09% | 9.33% (stronger) |
| Problem loans | 1.78% | 0.64% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.84% | 2.00% (stronger) |
| Loans ÷ deposits | 99.1% | 92.0% (stronger) |
| Uninsured deposits | 11.5% (stronger) | 29.1% |
| Offices | 4 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
National Bank of Commerce has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Hometown Community Bank leads on 2 and National Bank of Commerce on 5. 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.