Side-by-side · Q2 2026 data
Produce State Bank vs Hometown Community Bank
Metric by metric
| Measure | Produce State Bank | Hometown Community Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 57 |
| Capital cushion | 53 (stronger) | 41 |
| Loan quality | 58 (stronger) | 41 |
| Earnings | 73 | 93 (stronger) |
| Funding & liquidity | 98 (stronger) | 61 |
| Problem-loan coverage | 88 (stronger) | 69 |
| Peer percentile | 40th | 14th |
| Total assets | $107.2M | $105.7M |
| Deposits / shares | $94.6M | $90.8M |
| Capital ratio | 10.33% (stronger) | 9.09% |
| Problem loans | 1.26% (stronger) | 1.78% |
| Net charge-offs | -0.15% (stronger) | 0.00% |
| Return on assets | 1.31% | 1.84% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 99.1% |
| Uninsured deposits | 9.8% (stronger) | 11.5% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Produce State Bank has the higher TellerScore (69 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Produce State Bank leads on 6 and Hometown Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.