Side-by-side · Q2 2026 data
CIBM Bank vs Home State Bank, National Association
Metric by metric
| Measure | CIBM Bank | Home State Bank, National Association |
|---|---|---|
| TellerScore | 53 | 82 (stronger) |
| Capital cushion | 49 | 68 (stronger) |
| Loan quality | 64 | 98 (stronger) |
| Earnings | 39 | 81 (stronger) |
| Funding & liquidity | 40 | 71 (stronger) |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 9th | 82nd |
| Total assets | $819.7M | $776.0M |
| Deposits / shares | $669.0M | $686.6M |
| Capital ratio | 9.91% | 11.79% (stronger) |
| Problem loans | 1.08% | 0.07% (stronger) |
| Net charge-offs | 0.20% | -0.01% (stronger) |
| Return on assets | 0.48% | 1.52% (stronger) |
| Loans ÷ deposits | 98.6% | 74.5% (stronger) |
| Uninsured deposits | 34.2% | 28.5% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 5.2% |
Home State Bank, National Association has the higher TellerScore (82 vs 53). On the 7 directional measures above (where higher or lower is clearly better), CIBM Bank leads on 0 and Home State Bank, National Association on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.