Side-by-side · Q2 2026 data
Concordia Bank & Trust Company vs Home Federal Bank
Metric by metric
| Measure | Concordia Bank & Trust Company | Home Federal Bank |
|---|---|---|
| TellerScore | 52 | 65 (stronger) |
| Capital cushion | 61 (stronger) | 43 |
| Loan quality | 15 | 79 (stronger) |
| Earnings | 65 (stronger) | 63 |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 59 | 89 (stronger) |
| Peer percentile | 8th | 29th |
| Total assets | $667.0M | $644.0M |
| Deposits / shares | $585.7M | $579.1M |
| Capital ratio | 11.12% (stronger) | 9.29% |
| Problem loans | 2.54% | 0.63% (stronger) |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 1.13% (stronger) | 1.07% |
| Loans ÷ deposits | 60.9% (stronger) | 82.4% |
| Uninsured deposits | 37.3% | 20.5% (stronger) |
| Offices | 8 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 3.9% |
Home Federal Bank has the higher TellerScore (65 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Concordia Bank & Trust Company leads on 3 and Home Federal Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.