Side-by-side · Q2 2026 data
Homestead Bank vs First State Bank
Metric by metric
| Measure | Homestead Bank | First State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 93 (stronger) | 89 |
| Earnings | 86 (stronger) | 85 |
| Funding & liquidity | 73 (stronger) | 64 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 96th | 75th |
| Total assets | $537.0M | $199.5M |
| Deposits / shares | $413.6M | $121.3M |
| Capital ratio | 18.62% (stronger) | 11.94% |
| Problem loans | 0.20% (stronger) | 0.33% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.65% (stronger) | 1.63% |
| Loans ÷ deposits | 80.2% | 79.9% (stronger) |
| Uninsured deposits | 21.5% (stronger) | 29.9% |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Homestead Bank has the higher TellerScore (91 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Homestead Bank leads on 6 and First State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.