Side-by-side · Q2 2026 data
Commercial State Bank vs HomeBank Texas
Metric by metric
| Measure | Commercial State Bank | HomeBank Texas |
|---|---|---|
| TellerScore | 49 | 79 (stronger) |
| Capital cushion | 59 | 66 (stronger) |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 83 | 97 (stronger) |
| Funding & liquidity | 65 (stronger) | 44 |
| Problem-loan coverage | 50 | 91 (stronger) |
| Peer percentile | 6th | 75th |
| Total assets | $126.6M | $403.0M |
| Deposits / shares | $114.3M | $354.9M |
| Capital ratio | 10.92% | 11.59% (stronger) |
| Problem loans | 5.44% | 0.11% (stronger) |
| Net charge-offs | 0.42% | 0.00% (stronger) |
| Return on assets | 1.57% | 1.92% (stronger) |
| Loans ÷ deposits | 35.0% (stronger) | 83.5% |
| Uninsured deposits | 46.8% | 44.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.3% |
HomeBank Texas has the higher TellerScore (79 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Commercial State Bank leads on 1 and HomeBank Texas on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.