Side-by-side · Q2 2026 data
Utah Independent Bank vs Home Savings Bank
Metric by metric
| Measure | Utah Independent Bank | Home Savings Bank |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 39 | 100 (stronger) |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 70 (stronger) | 50 |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 75th | 86th |
| Total assets | $170.9M | $108.8M |
| Deposits / shares | $143.2M | $76.4M |
| Capital ratio | 16.31% (stronger) | 15.73% |
| Problem loans | 1.82% | 0.00% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.00% |
| Return on assets | 3.43% (stronger) | 0.89% |
| Loans ÷ deposits | 83.6% (stronger) | 121.1% |
| Uninsured deposits | 20.8% | 8.6% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Savings Bank has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Utah Independent Bank leads on 4 and Home Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.