Side-by-side · Q2 2026 data
Wood & Huston Bank vs HNB National Bank
Metric by metric
| Measure | Wood & Huston Bank | HNB National Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 66 (stronger) | 47 |
| Loan quality | 95 | 98 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 55 | 86 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 93rd | 91st |
| Total assets | $1.2B | $1.3B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 11.55% (stronger) | 9.72% |
| Problem loans | 0.14% | 0.06% (stronger) |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 2.08% | 2.66% (stronger) |
| Loans ÷ deposits | 90.9% | 74.1% (stronger) |
| Uninsured deposits | 27.9% | 14.2% (stronger) |
| Offices | 11 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 6.2% |
Wood & Huston Bank has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Wood & Huston Bank leads on 2 and HNB National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.