Side-by-side · Q2 2026 data
The First National Bank of Monterey vs Home Bank SB
Metric by metric
| Measure | The First National Bank of Monterey | Home Bank SB |
|---|---|---|
| TellerScore | 81 (stronger) | 71 |
| Capital cushion | 81 (stronger) | 75 |
| Loan quality | 88 (stronger) | 71 |
| Earnings | 64 (stronger) | 46 |
| Funding & liquidity | 83 (stronger) | 81 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 80th | 47th |
| Total assets | $430.5M | $433.1M |
| Deposits / shares | $379.8M | $370.9M |
| Capital ratio | 13.13% (stronger) | 12.46% |
| Problem loans | 0.37% (stronger) | 0.86% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.10% (stronger) | 0.65% |
| Loans ÷ deposits | 64.8% (stronger) | 69.6% |
| Uninsured deposits | 25.7% | 24.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Monterey has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Monterey leads on 6 and Home Bank SB on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.