Side-by-side · Q2 2026 data
Home State Bank vs Community State Bank
Metric by metric
| Measure | Home State Bank | Community State Bank |
|---|---|---|
| TellerScore | 38 | 89 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 26 | 100 (stronger) |
| Earnings | 9 | 43 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 66 | 100 (stronger) |
| Peer percentile | 2nd | 87th |
| Total assets | $480.7M | $41.4M |
| Deposits / shares | $436.9M | $33.6M |
| Capital ratio | 8.91% | 20.23% (stronger) |
| Problem loans | 2.21% | 0.00% (stronger) |
| Net charge-offs | 0.03% | -0.12% (stronger) |
| Return on assets | -0.27% | 0.57% (stronger) |
| Loans ÷ deposits | 86.6% | 39.4% (stronger) |
| Uninsured deposits | 6.5% | 4.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.0% | — |
Community State Bank has the higher TellerScore (89 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 0 and Community State Bank on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.