Side-by-side · Q2 2026 data
HomeBank Texas vs Austin Capital Bank SSB
Metric by metric
| Measure | HomeBank Texas | Austin Capital Bank SSB |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 66 (stronger) | 52 |
| Loan quality | 96 (stronger) | 90 |
| Earnings | 97 (stronger) | 58 |
| Funding & liquidity | 44 | 50 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 75th | 34th |
| Total assets | $403.0M | $395.4M |
| Deposits / shares | $354.9M | $308.4M |
| Capital ratio | 11.59% (stronger) | 10.22% |
| Problem loans | 0.11% (stronger) | 0.30% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.92% (stronger) | 0.95% |
| Loans ÷ deposits | 83.5% (stronger) | 110.1% |
| Uninsured deposits | 44.2% | 13.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
HomeBank Texas has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), HomeBank Texas leads on 5 and Austin Capital Bank SSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.