Side-by-side · Q2 2026 data
First Neighbor Bank, National Association vs Home State Bank, National Association
Metric by metric
| Measure | First Neighbor Bank, National Association | Home State Bank, National Association |
|---|---|---|
| TellerScore | 55 | 82 (stronger) |
| Capital cushion | 56 | 68 (stronger) |
| Loan quality | 33 | 98 (stronger) |
| Earnings | 69 | 81 (stronger) |
| Funding & liquidity | 56 | 71 (stronger) |
| Problem-loan coverage | 75 | 99 (stronger) |
| Peer percentile | 11th | 82nd |
| Total assets | $736.0M | $776.0M |
| Deposits / shares | $604.2M | $686.6M |
| Capital ratio | 10.62% | 11.79% (stronger) |
| Problem loans | 2.00% | 0.07% (stronger) |
| Net charge-offs | 0.08% | -0.01% (stronger) |
| Return on assets | 1.22% | 1.52% (stronger) |
| Loans ÷ deposits | 86.4% | 74.5% (stronger) |
| Uninsured deposits | 30.6% | 28.5% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.2% |
Home State Bank, National Association has the higher TellerScore (82 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Neighbor Bank, National Association leads on 0 and Home State Bank, National Association on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.