Side-by-side · Q2 2026 data
The Harvard State Bank vs Home State Bank, National Association
Metric by metric
| Measure | The Harvard State Bank | Home State Bank, National Association |
|---|---|---|
| TellerScore | 70 | 82 (stronger) |
| Capital cushion | 38 | 68 (stronger) |
| Loan quality | 91 | 98 (stronger) |
| Earnings | 65 | 81 (stronger) |
| Funding & liquidity | 85 (stronger) | 71 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 43rd | 82nd |
| Total assets | $331.5M | $776.0M |
| Deposits / shares | $294.0M | $686.6M |
| Capital ratio | 8.79% | 11.79% (stronger) |
| Problem loans | 0.26% | 0.07% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.13% | 1.52% (stronger) |
| Loans ÷ deposits | 65.0% (stronger) | 74.5% |
| Uninsured deposits | 24.6% (stronger) | 28.5% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | 5.2% |
Home State Bank, National Association has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 2 and Home State Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.