Side-by-side · Q2 2026 data
Home State Bank vs Commerce Bank
Metric by metric
| Measure | Home State Bank | Commerce Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 68 | 89 (stronger) |
| Loan quality | 97 (stronger) | 80 |
| Earnings | 67 | 72 (stronger) |
| Funding & liquidity | 97 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 84th | 72nd |
| Total assets | $218.9M | $220.0M |
| Deposits / shares | $194.3M | $156.8M |
| Capital ratio | 11.81% | 13.87% (stronger) |
| Problem loans | 0.08% (stronger) | 0.60% |
| Net charge-offs | 0.11% | -0.01% (stronger) |
| Return on assets | 1.18% | 1.30% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 117.3% |
| Uninsured deposits | 16.5% | 15.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home State Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 3 and Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.