Side-by-side · Q2 2026 data
Hometown Community Bank vs Northern State Bank of Virginia
Metric by metric
| Measure | Hometown Community Bank | Northern State Bank of Virginia |
|---|---|---|
| TellerScore | 57 | 75 (stronger) |
| Capital cushion | 41 | 52 (stronger) |
| Loan quality | 41 | 100 (stronger) |
| Earnings | 93 (stronger) | 66 |
| Funding & liquidity | 61 | 74 (stronger) |
| Problem-loan coverage | 69 | 100 (stronger) |
| Peer percentile | 14th | 61st |
| Total assets | $105.7M | $102.0M |
| Deposits / shares | $90.8M | $91.2M |
| Capital ratio | 9.09% | 10.17% (stronger) |
| Problem loans | 1.78% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.15% |
| Return on assets | 1.84% (stronger) | 1.15% |
| Loans ÷ deposits | 99.1% | 79.2% (stronger) |
| Uninsured deposits | 11.5% (stronger) | 21.5% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern State Bank of Virginia has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Hometown Community Bank leads on 3 and Northern State Bank of Virginia on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.