Side-by-side · Q2 2026 data
Home State Bank vs ESB Bank
Metric by metric
| Measure | Home State Bank | ESB Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 68 (stronger) | 42 |
| Loan quality | 97 (stronger) | 71 |
| Earnings | 67 | 82 (stronger) |
| Funding & liquidity | 97 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 84th | 29th |
| Total assets | $218.9M | $208.9M |
| Deposits / shares | $194.3M | $179.1M |
| Capital ratio | 11.81% (stronger) | 9.20% |
| Problem loans | 0.08% (stronger) | 0.87% |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.18% | 1.54% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 90.7% |
| Uninsured deposits | 16.5% | 13.8% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home State Bank has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 4 and ESB Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.