Side-by-side · Q2 2026 data
The First National Bank in Trinidad vs Home Loan State Bank
Metric by metric
| Measure | The First National Bank in Trinidad | Home Loan State Bank |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 59 (stronger) | 29 |
| Loan quality | 68 | 100 (stronger) |
| Earnings | 41 | 57 (stronger) |
| Funding & liquidity | 83 | 84 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 26th | 37th |
| Total assets | $250.5M | $235.3M |
| Deposits / shares | $234.3M | $215.9M |
| Capital ratio | 10.89% (stronger) | 7.95% |
| Problem loans | 0.95% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.52% | 0.93% (stronger) |
| Loans ÷ deposits | 59.2% | 40.9% (stronger) |
| Uninsured deposits | 30.2% | 29.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Loan State Bank has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank in Trinidad leads on 1 and Home Loan State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.