Side-by-side · Q2 2026 data
The Home Trust & Savings Bank vs First Citizens Bank
Metric by metric
| Measure | The Home Trust & Savings Bank | First Citizens Bank |
|---|---|---|
| TellerScore | 69 | 81 (stronger) |
| Capital cushion | 58 | 70 (stronger) |
| Loan quality | 73 | 95 (stronger) |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 68 (stronger) | 43 |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 40th | 91st |
| Total assets | $287.7M | $1.8B |
| Deposits / shares | $252.9M | $1.6B |
| Capital ratio | 10.83% | 11.96% (stronger) |
| Problem loans | 0.80% | 0.16% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.13% |
| Return on assets | 1.33% | 2.09% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 83.2% |
| Uninsured deposits | 22.9% (stronger) | 45.6% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Citizens Bank has the higher TellerScore (81 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Home Trust & Savings Bank leads on 3 and First Citizens Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Osage, IA