Side-by-side · Q2 2026 data
Citizens Alliance Bank vs Home State Bank
Metric by metric
| Measure | Citizens Alliance Bank | Home State Bank |
|---|---|---|
| TellerScore | 47 | 83 (stronger) |
| Capital cushion | 48 | 68 (stronger) |
| Loan quality | 51 | 97 (stronger) |
| Earnings | 28 | 67 (stronger) |
| Funding & liquidity | 39 | 97 (stronger) |
| Problem-loan coverage | 80 | 99 (stronger) |
| Peer percentile | 5th | 84th |
| Total assets | $1.4B | $218.9M |
| Deposits / shares | $1.2B | $194.3M |
| Capital ratio | 9.81% | 11.81% (stronger) |
| Problem loans | 1.48% | 0.08% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.11% |
| Return on assets | 0.20% | 1.18% (stronger) |
| Loans ÷ deposits | 82.0% | 62.2% (stronger) |
| Uninsured deposits | 49.9% | 16.5% (stronger) |
| Offices | 19 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Home State Bank has the higher TellerScore (83 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Citizens Alliance Bank leads on 1 and Home State Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.