Side-by-side · Q2 2026 data
Grand Marais State Bank vs Home State Bank
Metric by metric
| Measure | Grand Marais State Bank | Home State Bank |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 34 | 68 (stronger) |
| Loan quality | 97 | 97 |
| Earnings | 88 (stronger) | 67 |
| Funding & liquidity | 87 | 97 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 61st | 84th |
| Total assets | $207.2M | $218.9M |
| Deposits / shares | $189.6M | $194.3M |
| Capital ratio | 8.40% | 11.81% (stronger) |
| Problem loans | 0.10% | 0.08% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.11% |
| Return on assets | 1.71% (stronger) | 1.18% |
| Loans ÷ deposits | 68.4% | 62.2% (stronger) |
| Uninsured deposits | 19.3% | 16.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home State Bank has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Grand Marais State Bank leads on 2 and Home State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.