Side-by-side · Q2 2026 data
German American Bank vs Home Bank SB
Metric by metric
| Measure | German American Bank | Home Bank SB |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 62 | 75 (stronger) |
| Loan quality | 85 (stronger) | 71 |
| Earnings | 91 (stronger) | 46 |
| Funding & liquidity | 46 | 81 (stronger) |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 77th | 47th |
| Total assets | $8.4B | $433.1M |
| Deposits / shares | $7.1B | $370.9M |
| Capital ratio | 11.19% | 12.46% (stronger) |
| Problem loans | 0.45% (stronger) | 0.86% |
| Net charge-offs | 0.06% | 0.03% (stronger) |
| Return on assets | 1.76% (stronger) | 0.65% |
| Loans ÷ deposits | 83.0% | 69.6% (stronger) |
| Uninsured deposits | 42.8% | 24.0% (stronger) |
| Offices | 89 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | — |
German American Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), German American Bank leads on 3 and Home Bank SB on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.