Side-by-side · Q2 2026 data
Horatio State Bank vs First National Bank Of Commerce
Metric by metric
| Measure | Horatio State Bank | First National Bank Of Commerce |
|---|---|---|
| TellerScore | 68 | 80 (stronger) |
| Capital cushion | 70 (stronger) | 56 |
| Loan quality | 61 | 94 (stronger) |
| Earnings | 68 | 81 (stronger) |
| Funding & liquidity | 66 | 91 (stronger) |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 37th | 77th |
| Total assets | $311.5M | $296.6M |
| Deposits / shares | $275.5M | $268.8M |
| Capital ratio | 12.03% (stronger) | 10.65% |
| Problem loans | 1.18% | 0.17% (stronger) |
| Net charge-offs | 0.53% | 0.01% (stronger) |
| Return on assets | 1.20% | 1.52% (stronger) |
| Loans ÷ deposits | 94.0% | 58.2% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 23.3% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 23.4% |
First National Bank Of Commerce has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Horatio State Bank leads on 2 and First National Bank Of Commerce on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.