Side-by-side · Q2 2026 data
Home State Bank vs United Minnesota Bank
Metric by metric
| Measure | Home State Bank | United Minnesota Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 66 |
| Capital cushion | 68 (stronger) | 28 |
| Loan quality | 97 (stronger) | 82 |
| Earnings | 67 | 84 (stronger) |
| Funding & liquidity | 97 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 84th | 28th |
| Total assets | $218.9M | $56.9M |
| Deposits / shares | $194.3M | $52.5M |
| Capital ratio | 11.81% (stronger) | 7.78% |
| Problem loans | 0.08% (stronger) | 0.54% |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.18% | 1.60% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 85.0% |
| Uninsured deposits | 16.5% | 13.6% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home State Bank has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank leads on 4 and United Minnesota Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.