Side-by-side · Q2 2026 data
The Neffs National Bank vs Hamlin Bank and Trust Company
Metric by metric
| Measure | The Neffs National Bank | Hamlin Bank and Trust Company |
|---|---|---|
| TellerScore | 87 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 68 |
| Earnings | 41 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 91st | 94th |
| Total assets | $470.8M | $503.4M |
| Deposits / shares | $371.9M | $389.3M |
| Capital ratio | 16.82% | 19.96% (stronger) |
| Problem loans | 0.04% (stronger) | 0.96% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 0.53% | 3.02% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 77.4% |
| Uninsured deposits | 9.5% (stronger) | 13.3% |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.3% | — |
Hamlin Bank and Trust Company has the higher TellerScore (89 vs 87). On the 7 directional measures above (where higher or lower is clearly better), The Neffs National Bank leads on 4 and Hamlin Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.