Side-by-side · Q2 2026 data
Franklin State Bank & Trust Company vs Homeland Federal Savings Bank
Metric by metric
| Measure | Franklin State Bank & Trust Company | Homeland Federal Savings Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 59 |
| Capital cushion | 50 (stronger) | 42 |
| Loan quality | 75 (stronger) | 67 |
| Earnings | 100 (stronger) | 78 |
| Funding & liquidity | 83 (stronger) | 46 |
| Problem-loan coverage | 91 (stronger) | 69 |
| Peer percentile | 61st | 17th |
| Total assets | $224.7M | $657.8M |
| Deposits / shares | $200.2M | $572.5M |
| Capital ratio | 10.03% (stronger) | 9.21% |
| Problem loans | 0.76% (stronger) | 0.99% |
| Net charge-offs | 0.34% | -0.00% (stronger) |
| Return on assets | 2.05% (stronger) | 1.44% |
| Loans ÷ deposits | 62.2% (stronger) | 97.0% |
| Uninsured deposits | 28.5% (stronger) | 30.8% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Franklin State Bank & Trust Company has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Franklin State Bank & Trust Company leads on 6 and Homeland Federal Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.