Side-by-side · Q2 2026 data
Round Top State Bank vs HomeTown Bank, National Association
Metric by metric
| Measure | Round Top State Bank | HomeTown Bank, National Association |
|---|---|---|
| TellerScore | 80 (stronger) | 75 |
| Capital cushion | 69 (stronger) | 63 |
| Loan quality | 88 | 99 (stronger) |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 87 (stronger) | 57 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 77th | 61st |
| Total assets | $974.1M | $990.4M |
| Deposits / shares | $870.3M | $891.1M |
| Capital ratio | 11.94% (stronger) | 11.33% |
| Problem loans | 0.36% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.26% (stronger) | 1.07% |
| Loans ÷ deposits | 68.3% (stronger) | 77.5% |
| Uninsured deposits | 19.6% (stronger) | 38.1% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
Round Top State Bank has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Round Top State Bank leads on 6 and HomeTown Bank, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.