Side-by-side · Q2 2026 data
Plains State Bank vs Harmony Bank
Metric by metric
| Measure | Plains State Bank | Harmony Bank |
|---|---|---|
| TellerScore | 59 | 75 (stronger) |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 0 | 99 (stronger) |
| Earnings | 86 (stronger) | 66 |
| Funding & liquidity | 36 | 43 (stronger) |
| Problem-loan coverage | 62 | 100 (stronger) |
| Peer percentile | 17th | 61st |
| Total assets | $828.4M | $855.3M |
| Deposits / shares | $685.8M | $707.7M |
| Capital ratio | 16.47% (stronger) | 11.90% |
| Problem loans | 4.41% | 0.02% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.52% |
| Return on assets | 1.64% (stronger) | 1.16% |
| Loans ÷ deposits | 89.2% | 88.0% (stronger) |
| Uninsured deposits | 46.8% | 41.4% (stronger) |
| Offices | 6 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.0% |
Harmony Bank has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Plains State Bank leads on 3 and Harmony Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.