Side-by-side · Q2 2026 data
NSB Bank vs Home State Bank
Metric by metric
| Measure | NSB Bank | Home State Bank |
|---|---|---|
| TellerScore | 62 (stronger) | 38 |
| Capital cushion | 35 | 39 (stronger) |
| Loan quality | 89 (stronger) | 26 |
| Earnings | 57 (stronger) | 9 |
| Funding & liquidity | 59 | 74 (stronger) |
| Problem-loan coverage | 89 (stronger) | 66 |
| Peer percentile | 22nd | 2nd |
| Total assets | $460.8M | $480.7M |
| Deposits / shares | $400.6M | $436.9M |
| Capital ratio | 8.49% | 8.91% (stronger) |
| Problem loans | 0.32% (stronger) | 2.21% |
| Net charge-offs | 0.30% | 0.03% (stronger) |
| Return on assets | 0.92% (stronger) | -0.27% |
| Loans ÷ deposits | 82.4% (stronger) | 86.6% |
| Uninsured deposits | 31.8% | 6.5% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
NSB Bank has the higher TellerScore (62 vs 38). On the 7 directional measures above (where higher or lower is clearly better), NSB Bank leads on 4 and Home State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.