Side-by-side · Q2 2026 data
Home State Bank, National Association vs Itasca Bank & Trust Co.
Metric by metric
| Measure | Home State Bank, National Association | Itasca Bank & Trust Co. |
|---|---|---|
| TellerScore | 82 (stronger) | 71 |
| Capital cushion | 68 (stronger) | 56 |
| Loan quality | 98 (stronger) | 91 |
| Earnings | 81 (stronger) | 64 |
| Funding & liquidity | 71 (stronger) | 63 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 82nd | 47th |
| Total assets | $776.0M | $770.8M |
| Deposits / shares | $686.6M | $691.7M |
| Capital ratio | 11.79% (stronger) | 10.58% |
| Problem loans | 0.07% (stronger) | 0.28% |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.52% (stronger) | 1.10% |
| Loans ÷ deposits | 74.5% (stronger) | 80.7% |
| Uninsured deposits | 28.5% (stronger) | 29.7% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 4.3% |
Home State Bank, National Association has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank, National Association leads on 7 and Itasca Bank & Trust Co. on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.