Side-by-side · Q2 2026 data
The First National Bank of Germantown vs Home National Bank
Metric by metric
| Measure | The First National Bank of Germantown | Home National Bank |
|---|---|---|
| TellerScore | 63 (stronger) | 52 |
| Capital cushion | 35 | 55 (stronger) |
| Loan quality | 84 (stronger) | 19 |
| Earnings | 43 | 56 (stronger) |
| Funding & liquidity | 89 (stronger) | 83 |
| Problem-loan coverage | 93 (stronger) | 71 |
| Peer percentile | 22nd | 11th |
| Total assets | $96.2M | $95.0M |
| Deposits / shares | $85.4M | $84.0M |
| Capital ratio | 8.49% | 10.46% (stronger) |
| Problem loans | 0.47% (stronger) | 2.43% |
| Net charge-offs | -0.00% (stronger) | 0.28% |
| Return on assets | 0.58% | 0.90% (stronger) |
| Loans ÷ deposits | 68.4% | 67.3% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 23.5% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Germantown has the higher TellerScore (63 vs 52). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Germantown leads on 4 and Home National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.