Side-by-side · Q2 2026 data
M C Bank & Trust Company vs Homeland Federal Savings Bank
Metric by metric
| Measure | M C Bank & Trust Company | Homeland Federal Savings Bank |
|---|---|---|
| TellerScore | 47 | 59 (stronger) |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 0 | 67 (stronger) |
| Earnings | 0 | 78 (stronger) |
| Funding & liquidity | 56 (stronger) | 46 |
| Problem-loan coverage | 82 (stronger) | 69 |
| Peer percentile | 5th | 17th |
| Total assets | $710.0M | $657.8M |
| Deposits / shares | $480.6M | $572.5M |
| Capital ratio | 42.96% (stronger) | 9.21% |
| Problem loans | 5.84% | 0.99% (stronger) |
| Net charge-offs | 0.76% | -0.00% (stronger) |
| Return on assets | -2.56% | 1.44% (stronger) |
| Loans ÷ deposits | 71.1% (stronger) | 97.0% |
| Uninsured deposits | 44.6% | 30.8% (stronger) |
| Offices | 15 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.3% | — |
Homeland Federal Savings Bank has the higher TellerScore (59 vs 47). On the 7 directional measures above (where higher or lower is clearly better), M C Bank & Trust Company leads on 2 and Homeland Federal Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.