Side-by-side · Q2 2026 data
Exchange State Bank vs Home Savings Bank
Metric by metric
| Measure | Exchange State Bank | Home Savings Bank |
|---|---|---|
| TellerScore | 84 | 86 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 84 (stronger) | 60 |
| Funding & liquidity | 83 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 86th | 90th |
| Total assets | $105.0M | $115.1M |
| Deposits / shares | $88.1M | $90.5M |
| Capital ratio | 11.59% | 16.73% (stronger) |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.59% (stronger) | 1.00% |
| Loans ÷ deposits | 77.0% (stronger) | 79.3% |
| Uninsured deposits | 12.5% (stronger) | 27.9% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Savings Bank has the higher TellerScore (86 vs 84). On the 6 directional measures above (where higher or lower is clearly better), Exchange State Bank leads on 4 and Home Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.