Side-by-side · Q2 2026 data
Rabun County Bank vs TowneBank
Metric by metric
| Measure | Rabun County Bank | TowneBank |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 55 (stronger) | 50 |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 43 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 80th | 87th |
| Total assets | $361.5M | $22.6B |
| Deposits / shares | $321.3M | $18.8B |
| Capital ratio | 10.49% (stronger) | 10.00% |
| Problem loans | 0.05% (stronger) | 0.22% |
| Net charge-offs | -0.01% (stronger) | 0.10% |
| Return on assets | 1.64% | 2.17% (stronger) |
| Loans ÷ deposits | 71.8% (stronger) | 81.2% |
| Uninsured deposits | 16.5% (stronger) | 48.0% |
| Offices | 4 | 77 |
| CFPB complaints (3 yrs) | — | 39 |
| Complaints per $1B deposits | — | 2.1 |
| Mortgage denial rate (HMDA) | — | 6.6% |
Rabun County Bank has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Rabun County Bank leads on 6 and TowneBank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.