Side-by-side · Q2 2026 data
Independent Farmers Bank vs The Hamilton Bank
Metric by metric
| Measure | Independent Farmers Bank | The Hamilton Bank |
|---|---|---|
| TellerScore | 71 | 74 (stronger) |
| Capital cushion | 55 (stronger) | 43 |
| Loan quality | 78 | 84 (stronger) |
| Earnings | 65 | 82 (stronger) |
| Funding & liquidity | 85 | 96 (stronger) |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 47th | 57th |
| Total assets | $146.5M | $119.8M |
| Deposits / shares | $131.9M | $112.9M |
| Capital ratio | 10.53% (stronger) | 9.29% |
| Problem loans | 0.66% | 0.47% (stronger) |
| Net charge-offs | 0.07% | -0.06% (stronger) |
| Return on assets | 1.13% | 1.54% (stronger) |
| Loans ÷ deposits | 66.2% | 45.5% (stronger) |
| Uninsured deposits | 23.5% | 18.8% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | 14.3% |
The Hamilton Bank has the higher TellerScore (74 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Independent Farmers Bank leads on 1 and The Hamilton Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.