Side-by-side · Q2 2026 data
HomeTrust Bank vs North State Bank
Metric by metric
| Measure | HomeTrust Bank | North State Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 61 |
| Capital cushion | 79 (stronger) | 35 |
| Loan quality | 53 | 94 (stronger) |
| Earnings | 81 (stronger) | 52 |
| Funding & liquidity | 45 | 49 (stronger) |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 49th | 24th |
| Total assets | $4.4B | $1.5B |
| Deposits / shares | $3.6B | $1.2B |
| Capital ratio | 12.91% (stronger) | 8.50% |
| Problem loans | 1.40% | 0.17% (stronger) |
| Net charge-offs | 0.20% | -0.03% (stronger) |
| Return on assets | 1.52% (stronger) | 0.79% |
| Loans ÷ deposits | 102.5% | 94.2% (stronger) |
| Uninsured deposits | 26.5% (stronger) | 30.9% |
| Offices | 33 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | 2.5% |
HomeTrust Bank has the higher TellerScore (68 vs 61). On the 7 directional measures above (where higher or lower is clearly better), HomeTrust Bank leads on 4 and North State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.