Side-by-side · Q2 2026 data
Horatio State Bank vs Bank of England
Metric by metric
| Measure | Horatio State Bank | Bank of England |
|---|---|---|
| TellerScore | 68 (stronger) | 57 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 61 (stronger) | 0 |
| Earnings | 68 (stronger) | 34 |
| Funding & liquidity | 66 | 78 (stronger) |
| Problem-loan coverage | 83 | 88 (stronger) |
| Peer percentile | 37th | 14th |
| Total assets | $311.5M | $332.3M |
| Deposits / shares | $275.5M | $254.1M |
| Capital ratio | 12.03% | 19.91% (stronger) |
| Problem loans | 1.18% (stronger) | 4.26% |
| Net charge-offs | 0.53% | -0.01% (stronger) |
| Return on assets | 1.20% (stronger) | 0.35% |
| Loans ÷ deposits | 94.0% | 37.6% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 35.0% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 8.4% |
Horatio State Bank has the higher TellerScore (68 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Horatio State Bank leads on 4 and Bank of England on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.