Side-by-side · Q2 2026 data
Merit Bank vs The Hometown Bank of Alabama
Metric by metric
| Measure | Merit Bank | The Hometown Bank of Alabama |
|---|---|---|
| TellerScore | 64 (stronger) | 57 |
| Capital cushion | 47 | 61 (stronger) |
| Loan quality | 100 (stronger) | 32 |
| Earnings | 60 (stronger) | 59 |
| Funding & liquidity | 23 | 77 (stronger) |
| Problem-loan coverage | 99 (stronger) | 73 |
| Peer percentile | 26th | 14th |
| Total assets | $581.6M | $660.7M |
| Deposits / shares | $446.6M | $563.9M |
| Capital ratio | 9.70% | 11.08% (stronger) |
| Problem loans | 0.00% (stronger) | 2.03% |
| Net charge-offs | 0.14% | 0.01% (stronger) |
| Return on assets | 1.01% (stronger) | 0.97% |
| Loans ÷ deposits | 88.7% | 70.6% (stronger) |
| Uninsured deposits | 58.7% | 26.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | 17.1% |
Merit Bank has the higher TellerScore (64 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Merit Bank leads on 3 and The Hometown Bank of Alabama on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.