Side-by-side · Q2 2026 data
First State Bank of Michigan vs Homestead Savings Bank
Metric by metric
| Measure | First State Bank of Michigan | Homestead Savings Bank |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 89 (stronger) | 44 |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 0 | 50 (stronger) |
| Funding & liquidity | 72 | 83 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 24th | 33rd |
| Total assets | $87.8M | $71.6M |
| Deposits / shares | $71.6M | $64.6M |
| Capital ratio | 13.89% (stronger) | 9.42% |
| Problem loans | 0.88% | 0.24% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | -1.32% | 0.75% (stronger) |
| Loans ÷ deposits | 88.3% | 77.1% (stronger) |
| Uninsured deposits | 9.7% (stronger) | 12.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Homestead Savings Bank has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Michigan leads on 2 and Homestead Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.