Side-by-side · Q2 2026 data
Peoples Bank of the South vs Homeland Community Bank
Metric by metric
| Measure | Peoples Bank of the South | Homeland Community Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 67 |
| Capital cushion | 74 (stronger) | 35 |
| Loan quality | 72 | 88 (stronger) |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 44 | 93 (stronger) |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 64th | 34th |
| Total assets | $232.0M | $244.1M |
| Deposits / shares | $190.5M | $227.2M |
| Capital ratio | 12.43% (stronger) | 8.46% |
| Problem loans | 0.85% | 0.36% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 3.10% (stronger) | 0.91% |
| Loans ÷ deposits | 104.2% | 59.8% (stronger) |
| Uninsured deposits | 25.6% | 21.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples Bank of the South has the higher TellerScore (76 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank of the South leads on 4 and Homeland Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.