Side-by-side · Q2 2026 data
Hometown National Bank vs Flanagan State Bank
Metric by metric
| Measure | Hometown National Bank | Flanagan State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 67 |
| Capital cushion | 63 (stronger) | 46 |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 63 (stronger) | 34 |
| Funding & liquidity | 88 | 93 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 72nd | 34th |
| Total assets | $307.2M | $300.3M |
| Deposits / shares | $265.8M | $277.0M |
| Capital ratio | 11.30% (stronger) | 9.59% |
| Problem loans | 0.17% (stronger) | 0.23% |
| Net charge-offs | -0.02% (stronger) | 0.10% |
| Return on assets | 1.07% (stronger) | 0.35% |
| Loans ÷ deposits | 56.9% (stronger) | 65.6% |
| Uninsured deposits | 26.1% | 16.9% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 14.2% |
Hometown National Bank has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Hometown National Bank leads on 6 and Flanagan State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.