Side-by-side · Q2 2026 data
The First State Bank of Healy vs Home Savings Bank
Metric by metric
| Measure | The First State Bank of Healy | Home Savings Bank |
|---|---|---|
| TellerScore | 82 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 70 | 96 (stronger) |
| Earnings | 74 (stronger) | 60 |
| Funding & liquidity | 70 (stronger) | 66 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 82nd | 90th |
| Total assets | $108.8M | $115.1M |
| Deposits / shares | $86.5M | $90.5M |
| Capital ratio | 16.77% (stronger) | 16.73% |
| Problem loans | 0.89% | 0.12% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.36% (stronger) | 1.00% |
| Loans ÷ deposits | 75.4% (stronger) | 79.3% |
| Uninsured deposits | 28.3% | 27.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Savings Bank has the higher TellerScore (86 vs 82). On the 6 directional measures above (where higher or lower is clearly better), The First State Bank of Healy leads on 3 and Home Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.