Bank Comparison
Home Savings Bank vs The State Bank of Wynnewood
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 6
winning metrics across 13 scored rows (1 tied)
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Capital adequacy
| Metric | Home Savings Bank | The State Bank of Wynnewood |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.73% | 16.15% |
| Equity / Assets | 15.36% | 13.22% |
Profitability
| Metric | Home Savings Bank | The State Bank of Wynnewood |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 1.01% |
| Return on Equity (ROE) | 5.45% | 7.77% |
| Net Interest Margin (NIM) | 4.01% | 3.13% |
| Yield on Earning Assets | 7.24% | 4.61% |
| Cost of Funds | 3.72% | 1.77% |
Asset quality
| Metric | Home Savings Bank | The State Bank of Wynnewood |
|---|---|---|
| Texas Ratio | 0.00% | 0.29% |
| Non-Performing Loan Ratio | 0.00% | 0.09% |
| Non-Performing Asset Ratio | 0.00% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.07% | 1.35% |
Balance sheet
| Metric | Home Savings Bank | The State Bank of Wynnewood |
|---|---|---|
| Total Assets | $108.8M | $108.7M |
| Total Deposits | $76.4M | $93.9M |
| Total Loans | $93.5M | $48.6M |
| Total Equity | $16.7M | $14.4M |
| Net Income (quarter) | $226K | $287K |
Liquidity & funding
| Metric | Home Savings Bank | The State Bank of Wynnewood |
|---|---|---|
| Loan-to-Deposit Ratio | 122.42% | 51.77% |
| Core Deposit Ratio | 71.64% | 80.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Savings Bank | The State Bank of Wynnewood |
|---|---|---|
| Headquarters City | Salt Lake City | Wynnewood |
| Headquarters State | UT | OK |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 16 |
| Established | January 1, 1979 | August 1, 1910 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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