Side-by-side · Q2 2026 data
Community State Bank vs Home Loan State Bank
Metric by metric
| Measure | Community State Bank | Home Loan State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 75 (stronger) | 29 |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 98 (stronger) | 57 |
| Funding & liquidity | 65 | 84 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 72nd | 37th |
| Total assets | $208.1M | $235.3M |
| Deposits / shares | $177.6M | $215.9M |
| Capital ratio | 12.54% (stronger) | 7.95% |
| Problem loans | 0.90% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.96% (stronger) | 0.93% |
| Loans ÷ deposits | 94.5% | 40.9% (stronger) |
| Uninsured deposits | 15.3% (stronger) | 29.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community State Bank has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank leads on 4 and Home Loan State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.