Side-by-side · Q2 2026 data
The Bank of Charlotte County vs Highlands Community Bank
Metric by metric
| Measure | The Bank of Charlotte County | Highlands Community Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 57 |
| Capital cushion | 78 (stronger) | 76 |
| Loan quality | 89 (stronger) | 16 |
| Earnings | 100 (stronger) | 36 |
| Funding & liquidity | 81 | 97 (stronger) |
| Problem-loan coverage | 96 (stronger) | 81 |
| Peer percentile | 91st | 14th |
| Total assets | $222.8M | $188.9M |
| Deposits / shares | $194.5M | $167.3M |
| Capital ratio | 12.79% (stronger) | 12.63% |
| Problem loans | 0.33% (stronger) | 2.51% |
| Net charge-offs | 0.13% (stronger) | 0.27% |
| Return on assets | 3.44% (stronger) | 0.39% |
| Loans ÷ deposits | 71.3% | 48.6% (stronger) |
| Uninsured deposits | 22.1% | 18.1% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
The Bank of Charlotte County has the higher TellerScore (87 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Charlotte County leads on 5 and Highlands Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.