Side-by-side · Q2 2026 data
Home Bank and Trust Company vs Southwind Bank
Metric by metric
| Measure | Home Bank and Trust Company | Southwind Bank |
|---|---|---|
| TellerScore | 67 | 70 (stronger) |
| Capital cushion | 33 | 54 (stronger) |
| Loan quality | 79 (stronger) | 75 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 53 | 80 (stronger) |
| Problem-loan coverage | 89 | 90 (stronger) |
| Peer percentile | 34th | 43rd |
| Total assets | $183.3M | $186.6M |
| Deposits / shares | $166.8M | $172.8M |
| Capital ratio | 8.28% | 10.42% (stronger) |
| Problem loans | 0.63% (stronger) | 0.74% |
| Net charge-offs | -0.24% (stronger) | 0.28% |
| Return on assets | 2.17% (stronger) | 1.28% |
| Loans ÷ deposits | 91.5% | 53.4% (stronger) |
| Uninsured deposits | 28.9% (stronger) | 33.2% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Southwind Bank has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Home Bank and Trust Company leads on 4 and Southwind Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.