Side-by-side · Q2 2026 data
Concordia Bank & Trust Company vs Home Bank, National Association
Metric by metric
| Measure | Concordia Bank & Trust Company | Home Bank, National Association |
|---|---|---|
| TellerScore | 52 | 70 (stronger) |
| Capital cushion | 61 | 71 (stronger) |
| Loan quality | 15 | 68 (stronger) |
| Earnings | 65 | 75 (stronger) |
| Funding & liquidity | 74 (stronger) | 53 |
| Problem-loan coverage | 59 | 85 (stronger) |
| Peer percentile | 8th | 58th |
| Total assets | $667.0M | $3.6B |
| Deposits / shares | $585.7M | $3.1B |
| Capital ratio | 11.12% | 12.11% (stronger) |
| Problem loans | 2.54% | 0.95% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.13% | 1.38% (stronger) |
| Loans ÷ deposits | 60.9% (stronger) | 89.2% |
| Uninsured deposits | 37.3% | 31.2% (stronger) |
| Offices | 8 | 41 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 9.8% |
Home Bank, National Association has the higher TellerScore (70 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Concordia Bank & Trust Company leads on 2 and Home Bank, National Association on 5. 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.