Side-by-side · Q2 2026 data
Gibsland Bank & Trust Company vs Home Federal Bank
Metric by metric
| Measure | Gibsland Bank & Trust Company | Home Federal Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 80 (stronger) | 79 |
| Earnings | 73 (stronger) | 63 |
| Funding & liquidity | 58 | 72 (stronger) |
| Problem-loan coverage | 74 | 89 (stronger) |
| Peer percentile | 80th | 29th |
| Total assets | $574.3M | $644.0M |
| Deposits / shares | $459.0M | $579.1M |
| Capital ratio | 16.50% (stronger) | 9.29% |
| Problem loans | 0.61% (stronger) | 0.63% |
| Net charge-offs | 0.08% | -0.02% (stronger) |
| Return on assets | 1.32% (stronger) | 1.07% |
| Loans ÷ deposits | 92.5% | 82.4% (stronger) |
| Uninsured deposits | 24.1% | 20.5% (stronger) |
| Offices | 17 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
Gibsland Bank & Trust Company has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Gibsland Bank & Trust Company leads on 4 and Home Federal Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.