Side-by-side · Q2 2026 data
Home State Bank, National Association vs American Community Bank & Trust
Metric by metric
| Measure | Home State Bank, National Association | American Community Bank & Trust |
|---|---|---|
| TellerScore | 82 (stronger) | 64 |
| Capital cushion | 68 (stronger) | 56 |
| Loan quality | 98 (stronger) | 67 |
| Earnings | 81 (stronger) | 75 |
| Funding & liquidity | 71 (stronger) | 47 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 82nd | 33rd |
| Total assets | $776.0M | $1.2B |
| Deposits / shares | $686.6M | $1.0B |
| Capital ratio | 11.79% (stronger) | 10.61% |
| Problem loans | 0.07% (stronger) | 1.00% |
| Net charge-offs | -0.01% | -0.09% (stronger) |
| Return on assets | 1.52% (stronger) | 1.38% |
| Loans ÷ deposits | 74.5% (stronger) | 77.7% |
| Uninsured deposits | 28.5% (stronger) | 47.2% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 1.8% |
Home State Bank, National Association has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank, National Association leads on 6 and American Community Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Crystal Lake, IL
- Mchenry, IL
- Woodstock, IL