Side-by-side · Q2 2026 data
The Harvard State Bank vs Holcomb Bank
Metric by metric
| Measure | The Harvard State Bank | Holcomb Bank |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 38 | 38 |
| Loan quality | 91 | 99 (stronger) |
| Earnings | 65 | 81 (stronger) |
| Funding & liquidity | 85 (stronger) | 63 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 43rd | 50th |
| Total assets | $331.5M | $304.8M |
| Deposits / shares | $294.0M | $239.4M |
| Capital ratio | 8.79% | 8.84% (stronger) |
| Problem loans | 0.26% | 0.03% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.13% | 1.53% (stronger) |
| Loans ÷ deposits | 65.0% (stronger) | 95.5% |
| Uninsured deposits | 24.6% | 16.4% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | 5.1% |
Holcomb Bank has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 1 and Holcomb Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.