Side-by-side · Q2 2026 data
City Bank & Trust Co. vs Home Federal Bank
Metric by metric
| Measure | City Bank & Trust Co. | Home Federal Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 65 |
| Capital cushion | 64 (stronger) | 43 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 86 (stronger) | 63 |
| Funding & liquidity | 77 (stronger) | 72 |
| Problem-loan coverage | 87 | 89 (stronger) |
| Peer percentile | 82nd | 29th |
| Total assets | $382.0M | $644.0M |
| Deposits / shares | $334.0M | $579.1M |
| Capital ratio | 11.35% (stronger) | 9.29% |
| Problem loans | 0.00% (stronger) | 0.63% |
| Net charge-offs | 1.67% | -0.02% (stronger) |
| Return on assets | 1.64% (stronger) | 1.07% |
| Loans ÷ deposits | 71.3% (stronger) | 82.4% |
| Uninsured deposits | 25.9% | 20.5% (stronger) |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
City Bank & Trust Co. has the higher TellerScore (82 vs 65). On the 7 directional measures above (where higher or lower is clearly better), City Bank & Trust Co. leads on 5 and Home Federal Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.