Side-by-side · Q2 2026 data
The Bank of Houston vs Bank of Franklin County
Metric by metric
| Measure | The Bank of Houston | Bank of Franklin County |
|---|---|---|
| TellerScore | 82 (stronger) | 65 |
| Capital cushion | 91 (stronger) | 45 |
| Loan quality | 95 (stronger) | 91 |
| Earnings | 63 (stronger) | 50 |
| Funding & liquidity | 57 | 65 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 70th | 29th |
| Total assets | $67.4M | $419.4M |
| Deposits / shares | $51.2M | $357.5M |
| Capital ratio | 14.14% (stronger) | 9.53% |
| Problem loans | 0.16% (stronger) | 0.27% |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 1.07% (stronger) | 0.74% |
| Loans ÷ deposits | 103.6% | 95.6% (stronger) |
| Uninsured deposits | 7.2% (stronger) | 11.9% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.0% |
The Bank of Houston has the higher TellerScore (82 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Houston leads on 6 and Bank of Franklin County 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.