Side-by-side · Q2 2026 data
Wayne County Bank vs The Hardin County Bank
Metric by metric
| Measure | Wayne County Bank | The Hardin County Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 76 |
| Capital cushion | 86 (stronger) | 58 |
| Loan quality | 76 | 95 (stronger) |
| Earnings | 93 (stronger) | 72 |
| Funding & liquidity | 73 | 73 |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 86th | 64th |
| Total assets | $595.1M | $676.7M |
| Deposits / shares | $507.1M | $600.3M |
| Capital ratio | 13.58% (stronger) | 10.84% |
| Problem loans | 0.72% | 0.16% (stronger) |
| Net charge-offs | 0.08% | 0.02% (stronger) |
| Return on assets | 1.82% (stronger) | 1.29% |
| Loans ÷ deposits | 82.2% (stronger) | 85.6% |
| Uninsured deposits | 19.7% | 16.3% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wayne County Bank has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Wayne County Bank leads on 4 and The Hardin County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.