Side-by-side · Q2 2026 data
Home Bank and Trust Company vs The Citizens State Bank
Metric by metric
| Measure | Home Bank and Trust Company | The Citizens State Bank |
|---|---|---|
| TellerScore | 67 | 81 (stronger) |
| Capital cushion | 33 | 71 (stronger) |
| Loan quality | 79 | 81 (stronger) |
| Earnings | 100 (stronger) | 93 |
| Funding & liquidity | 53 | 76 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 34th | 80th |
| Total assets | $183.3M | $336.2M |
| Deposits / shares | $166.8M | $294.5M |
| Capital ratio | 8.28% | 12.08% (stronger) |
| Problem loans | 0.63% | 0.58% (stronger) |
| Net charge-offs | -0.24% (stronger) | -0.00% |
| Return on assets | 2.17% (stronger) | 1.81% |
| Loans ÷ deposits | 91.5% | 75.3% (stronger) |
| Uninsured deposits | 28.9% | 22.9% (stronger) |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 1.4% |
The Citizens State Bank has the higher TellerScore (81 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Home Bank and Trust Company leads on 2 and The Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.