Side-by-side · Q2 2026 data
The Baldwin State Bank vs Home Savings Bank
Metric by metric
| Measure | The Baldwin State Bank | Home Savings Bank |
|---|---|---|
| TellerScore | 75 | 86 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 99 (stronger) | 96 |
| Earnings | 59 | 60 (stronger) |
| Funding & liquidity | 90 (stronger) | 66 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 61st | 90th |
| Total assets | $115.5M | $115.1M |
| Deposits / shares | $102.6M | $90.5M |
| Capital ratio | 10.14% | 16.73% (stronger) |
| Problem loans | 0.04% (stronger) | 0.12% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.98% | 1.00% (stronger) |
| Loans ÷ deposits | 46.1% (stronger) | 79.3% |
| Uninsured deposits | 23.9% (stronger) | 27.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Home Savings Bank has the higher TellerScore (86 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Baldwin State Bank leads on 4 and Home Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.