Side-by-side · Q2 2026 data
Hometown National Bank vs North Central Bank
Metric by metric
| Measure | Hometown National Bank | North Central Bank |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 63 | 73 (stronger) |
| Loan quality | 94 (stronger) | 91 |
| Earnings | 63 | 73 (stronger) |
| Funding & liquidity | 88 (stronger) | 86 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 72nd | 82nd |
| Total assets | $307.2M | $165.9M |
| Deposits / shares | $265.8M | $144.7M |
| Capital ratio | 11.30% | 12.26% (stronger) |
| Problem loans | 0.17% (stronger) | 0.26% |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 1.07% | 1.33% (stronger) |
| Loans ÷ deposits | 56.9% (stronger) | 58.5% |
| Uninsured deposits | 26.1% (stronger) | 27.6% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
North Central Bank has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Hometown National Bank leads on 4 and North Central Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.