Side-by-side · Q2 2026 data
Raccoon Valley Bank vs Home State Bank
Metric by metric
| Measure | Raccoon Valley Bank | Home State Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 38 |
| Capital cushion | 46 (stronger) | 39 |
| Loan quality | 75 (stronger) | 26 |
| Earnings | 85 (stronger) | 9 |
| Funding & liquidity | 50 | 74 (stronger) |
| Problem-loan coverage | 89 (stronger) | 66 |
| Peer percentile | 31st | 2nd |
| Total assets | $486.0M | $480.7M |
| Deposits / shares | $430.2M | $436.9M |
| Capital ratio | 9.57% (stronger) | 8.91% |
| Problem loans | 0.74% (stronger) | 2.21% |
| Net charge-offs | -0.27% (stronger) | 0.03% |
| Return on assets | 1.62% (stronger) | -0.27% |
| Loans ÷ deposits | 87.6% | 86.6% (stronger) |
| Uninsured deposits | 35.8% | 6.5% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.0% |
Raccoon Valley Bank has the higher TellerScore (66 vs 38). On the 7 directional measures above (where higher or lower is clearly better), Raccoon Valley Bank leads on 5 and Home State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.