Side-by-side · Q2 2026 data
Home State Bank vs Heritage Bank National Association
Metric by metric
| Measure | Home State Bank | Heritage Bank National Association |
|---|---|---|
| TellerScore | 83 (stronger) | 34 |
| Capital cushion | 68 (stronger) | 58 |
| Loan quality | 97 (stronger) | 0 |
| Earnings | 67 (stronger) | 19 |
| Funding & liquidity | 97 (stronger) | 55 |
| Problem-loan coverage | 99 (stronger) | 46 |
| Peer percentile | 84th | 1st |
| Total assets | $218.9M | $361.1M |
| Deposits / shares | $194.3M | $286.3M |
| Capital ratio | 11.81% (stronger) | 10.81% |
| Problem loans | 0.08% (stronger) | 3.84% |
| Net charge-offs | 0.11% | 0.05% (stronger) |
| Return on assets | 1.18% (stronger) | -0.02% |
| Loans ÷ deposits | 62.2% (stronger) | 105.7% |
| Uninsured deposits | 16.5% | 12.6% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.9% |
Home State Bank has the higher TellerScore (83 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 5 and Heritage Bank National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.