Side-by-side · Q2 2026 data
Home State Bank vs Security Bank & Trust Company
Metric by metric
| Measure | Home State Bank | Security Bank & Trust Company |
|---|---|---|
| TellerScore | 83 (stronger) | 74 |
| Capital cushion | 68 (stronger) | 44 |
| Loan quality | 97 (stronger) | 89 |
| Earnings | 67 | 98 (stronger) |
| Funding & liquidity | 97 (stronger) | 60 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 84th | 74th |
| Total assets | $218.9M | $1.3B |
| Deposits / shares | $194.3M | $1.2B |
| Capital ratio | 11.81% (stronger) | 9.37% |
| Problem loans | 0.08% (stronger) | 0.34% |
| Net charge-offs | 0.11% | 0.07% (stronger) |
| Return on assets | 1.18% | 1.96% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 71.3% |
| Uninsured deposits | 16.5% (stronger) | 40.9% |
| Offices | 4 | 19 |
| CFPB complaints (3 yrs) | — | 124 |
| Complaints per $1B deposits | — | 103.3 |
| Mortgage denial rate (HMDA) | — | 2.6% |
Home State Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 5 and Security Bank & Trust Company on 2. 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.