Side-by-side · Q2 2026 data
Home State Bank, National Association vs North Shore Bank
Metric by metric
| Measure | Home State Bank, National Association | North Shore Bank |
|---|---|---|
| TellerScore | 82 | 84 (stronger) |
| Capital cushion | 68 | 94 (stronger) |
| Loan quality | 98 (stronger) | 97 |
| Earnings | 81 (stronger) | 61 |
| Funding & liquidity | 71 (stronger) | 66 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 82nd | 95th |
| Total assets | $776.0M | $2.6B |
| Deposits / shares | $686.6M | $2.2B |
| Capital ratio | 11.79% | 14.45% (stronger) |
| Problem loans | 0.07% (stronger) | 0.10% |
| Net charge-offs | -0.01% (stronger) | 0.02% |
| Return on assets | 1.52% (stronger) | 1.02% |
| Loans ÷ deposits | 74.5% (stronger) | 94.5% |
| Uninsured deposits | 28.5% | 11.8% (stronger) |
| Offices | 5 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 32.8% |
North Shore Bank has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank, National Association leads on 4 and North Shore Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.