Side-by-side · Q2 2026 data
The Lyndon State Bank vs Home Savings Bank
Metric by metric
| Measure | The Lyndon State Bank | Home Savings Bank |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 91 | 96 (stronger) |
| Earnings | 91 (stronger) | 60 |
| Funding & liquidity | 50 | 66 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 47th | 90th |
| Total assets | $115.1M | $115.1M |
| Deposits / shares | $85.1M | $90.5M |
| Capital ratio | 9.51% | 16.73% (stronger) |
| Problem loans | 0.28% | 0.12% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.77% (stronger) | 1.00% |
| Loans ÷ deposits | 114.0% | 79.3% (stronger) |
| Uninsured deposits | 14.8% (stronger) | 27.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Savings Bank has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Lyndon State Bank leads on 2 and Home Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.