Side-by-side · Q2 2026 data
MidSouth Bank vs The Hometown Bank of Alabama
Metric by metric
| Measure | MidSouth Bank | The Hometown Bank of Alabama |
|---|---|---|
| TellerScore | 66 (stronger) | 57 |
| Capital cushion | 43 | 61 (stronger) |
| Loan quality | 91 (stronger) | 32 |
| Earnings | 53 | 59 (stronger) |
| Funding & liquidity | 69 | 77 (stronger) |
| Problem-loan coverage | 96 (stronger) | 73 |
| Peer percentile | 31st | 14th |
| Total assets | $771.5M | $660.7M |
| Deposits / shares | $702.8M | $563.9M |
| Capital ratio | 9.30% | 11.08% (stronger) |
| Problem loans | 0.28% (stronger) | 2.03% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 0.82% | 0.97% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 70.6% |
| Uninsured deposits | 40.9% | 26.8% (stronger) |
| Offices | 14 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.1% |
MidSouth Bank has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), MidSouth Bank leads on 4 and The Hometown Bank of Alabama on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.