Side-by-side · Q2 2026 data
The Home Trust & Savings Bank vs Fairfax State Savings Bank
Metric by metric
| Measure | The Home Trust & Savings Bank | Fairfax State Savings Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 67 |
| Capital cushion | 58 (stronger) | 45 |
| Loan quality | 73 | 92 (stronger) |
| Earnings | 73 (stronger) | 49 |
| Funding & liquidity | 68 | 87 (stronger) |
| Problem-loan coverage | 87 (stronger) | 77 |
| Peer percentile | 40th | 34th |
| Total assets | $287.7M | $287.0M |
| Deposits / shares | $252.9M | $229.5M |
| Capital ratio | 10.83% (stronger) | 9.46% |
| Problem loans | 0.80% | 0.25% (stronger) |
| Net charge-offs | 0.01% | -0.09% (stronger) |
| Return on assets | 1.33% (stronger) | 0.73% |
| Loans ÷ deposits | 82.8% | 68.0% (stronger) |
| Uninsured deposits | 22.9% | 19.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.9% |
The Home Trust & Savings Bank has the higher TellerScore (69 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Home Trust & Savings Bank leads on 3 and Fairfax State Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.