Side-by-side · Q2 2026 data
The Hardin County Bank vs Millennium Bank
Metric by metric
| Measure | The Hardin County Bank | Millennium Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 44 |
| Capital cushion | 58 (stronger) | 27 |
| Loan quality | 95 (stronger) | 77 |
| Earnings | 72 (stronger) | 0 |
| Funding & liquidity | 73 (stronger) | 54 |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 64th | 4th |
| Total assets | $676.7M | $780.8M |
| Deposits / shares | $600.3M | $704.3M |
| Capital ratio | 10.84% (stronger) | 7.70% |
| Problem loans | 0.16% (stronger) | 0.68% |
| Net charge-offs | 0.02% (stronger) | 1.84% |
| Return on assets | 1.29% (stronger) | -0.64% |
| Loans ÷ deposits | 85.6% | 84.6% (stronger) |
| Uninsured deposits | 16.3% (stronger) | 34.4% |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.1% |
The Hardin County Bank has the higher TellerScore (76 vs 44). On the 7 directional measures above (where higher or lower is clearly better), The Hardin County Bank leads on 6 and Millennium Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.