Side-by-side · Q2 2026 data
Scale Bank vs HomeTown Bank
Metric by metric
| Measure | Scale Bank | HomeTown Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 64 |
| Capital cushion | 90 (stronger) | 33 |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 100 (stronger) | 54 |
| Funding & liquidity | 9 | 76 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 84th | 26th |
| Total assets | $626.7M | $691.9M |
| Deposits / shares | $423.1M | $617.5M |
| Capital ratio | 14.02% (stronger) | 8.27% |
| Problem loans | 0.06% (stronger) | 0.37% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.32% (stronger) | 0.85% |
| Loans ÷ deposits | 119.9% | 82.4% (stronger) |
| Uninsured deposits | 52.2% | 16.3% (stronger) |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.2% |
Scale Bank has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Scale Bank leads on 4 and HomeTown Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.