Side-by-side · Q2 2026 data
The FNB Community Bank vs Hoyne Savings Bank
Metric by metric
| Measure | The FNB Community Bank | Hoyne Savings Bank |
|---|---|---|
| TellerScore | 76 | 79 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 74 | 89 (stronger) |
| Earnings | 72 (stronger) | 27 |
| Funding & liquidity | 75 | 75 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 64th | 75th |
| Total assets | $498.9M | $479.9M |
| Deposits / shares | $423.1M | $346.7M |
| Capital ratio | 12.57% | 27.26% (stronger) |
| Problem loans | 0.78% | 0.34% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.29% (stronger) | 0.18% |
| Loans ÷ deposits | 72.3% (stronger) | 81.4% |
| Uninsured deposits | 26.1% | 18.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | 2.0% |
Hoyne Savings Bank has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The FNB Community Bank leads on 2 and Hoyne Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.