Side-by-side · Q2 2026 data
The Napoleon State Bank vs The Hometown Savings Bank
Metric by metric
| Measure | The Napoleon State Bank | The Hometown Savings Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 55 |
| Capital cushion | 61 (stronger) | 33 |
| Loan quality | 63 | 80 (stronger) |
| Earnings | 79 (stronger) | 29 |
| Funding & liquidity | 77 (stronger) | 67 |
| Problem-loan coverage | 86 | 89 (stronger) |
| Peer percentile | 43rd | 11th |
| Total assets | $499.2M | $455.7M |
| Deposits / shares | $440.4M | $406.3M |
| Capital ratio | 11.07% (stronger) | 8.29% |
| Problem loans | 1.10% | 0.59% (stronger) |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.47% (stronger) | 0.22% |
| Loans ÷ deposits | 81.8% | 71.6% (stronger) |
| Uninsured deposits | 16.0% (stronger) | 34.6% |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.6% |
The Napoleon State Bank has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Napoleon State Bank leads on 4 and The Hometown Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.