Side-by-side · Q2 2026 data
Home Bank of California vs Capital Bank and Trust Company
Metric by metric
| Measure | Home Bank of California | Capital Bank and Trust Company |
|---|---|---|
| TellerScore | 84 | 94 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 100 | 100 |
| Funding & liquidity | 48 | 61 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 98th |
| Total assets | $255.4M | $266.1M |
| Deposits / shares | $192.2M | $500K |
| Capital ratio | 12.27% | 79.26% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.34% | 81.14% (stronger) |
| Loans ÷ deposits | 121.2% | 0.0% (stronger) |
| Uninsured deposits | 16.6% (stronger) | 50.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 84). On the 6 directional measures above (where higher or lower is clearly better), Home Bank of California leads on 2 and Capital Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.