Side-by-side · Q2 2026 data
Home Bank, National Association vs Gulf Coast Bank and Trust Company
Metric by metric
| Measure | Home Bank, National Association | Gulf Coast Bank and Trust Company |
|---|---|---|
| TellerScore | 70 (stronger) | 55 |
| Capital cushion | 71 (stronger) | 41 |
| Loan quality | 68 (stronger) | 47 |
| Earnings | 75 (stronger) | 64 |
| Funding & liquidity | 53 | 70 (stronger) |
| Problem-loan coverage | 85 (stronger) | 74 |
| Peer percentile | 58th | 13th |
| Total assets | $3.6B | $3.9B |
| Deposits / shares | $3.1B | $3.3B |
| Capital ratio | 12.11% (stronger) | 9.07% |
| Problem loans | 0.95% (stronger) | 1.60% |
| Net charge-offs | 0.06% (stronger) | 0.44% |
| Return on assets | 1.38% (stronger) | 1.11% |
| Loans ÷ deposits | 89.2% | 83.7% (stronger) |
| Uninsured deposits | 31.2% | 21.4% (stronger) |
| Offices | 41 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.8% | — |
Home Bank, National Association has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Home Bank, National Association leads on 5 and Gulf Coast Bank and Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.