Side-by-side · Q2 2026 data
Verus Bank of Commerce vs Home Loan State Bank
Metric by metric
| Measure | Verus Bank of Commerce | Home Loan State Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 29 |
| Loan quality | 100 | 100 |
| Earnings | 61 (stronger) | 57 |
| Funding & liquidity | 45 | 84 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 86th | 37th |
| Total assets | $202.4M | $235.3M |
| Deposits / shares | $162.9M | $215.9M |
| Capital ratio | 18.46% (stronger) | 7.95% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.02% (stronger) | 0.93% |
| Loans ÷ deposits | 107.5% | 40.9% (stronger) |
| Uninsured deposits | 21.9% (stronger) | 29.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Verus Bank of Commerce has the higher TellerScore (84 vs 68). On the 5 directional measures above (where higher or lower is clearly better), Verus Bank of Commerce leads on 4 and Home Loan State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.