Bank Comparison
Home State Bank vs Trubank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Home State Bank | Trubank |
|---|---|---|
| CET1 Ratio | 10.14% | — |
| Tier 1 Capital Ratio | 10.14% | — |
| Total Capital Ratio | 11.40% | — |
| Tier 1 Leverage Ratio | 9.11% | 9.32% |
| Equity / Assets | 8.57% | 9.37% |
Profitability
| Metric | Home State Bank | Trubank |
|---|---|---|
| Return on Assets (ROA) | -1.26% | 1.20% |
| Return on Equity (ROE) | -14.57% | 12.84% |
| Net Interest Margin (NIM) | 3.61% | 3.68% |
| Yield on Earning Assets | 6.01% | 5.59% |
| Cost of Funds | 2.57% | 1.96% |
Asset quality
| Metric | Home State Bank | Trubank |
|---|---|---|
| Texas Ratio | 31.17% | 14.57% |
| Non-Performing Loan Ratio | 3.02% | 0.00% |
| Non-Performing Asset Ratio | 2.61% | 0.55% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 2.42% | 1.20% |
Balance sheet
| Metric | Home State Bank | Trubank |
|---|---|---|
| Total Assets | $485,710K | $487,488K |
| Total Deposits | $442,109K | $360,200K |
| Total Loans | $385,395K | $288,421K |
| Total Equity | $41,621K | $45,674K |
| Net Income (quarter) | $-1,499 | $1,458K |
Liquidity & funding
| Metric | Home State Bank | Trubank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.17% | 80.07% |
| Core Deposit Ratio | 72.95% | 82.11% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home State Bank | Trubank |
|---|---|---|
| Headquarters City | JEFFERSON | INDIANOLA |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 8 |
| Employees (FTE) | 59 | 52 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1883, midnight |
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 . 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.
View full Home State Bank profile | View full Trubank profile | Browse all bank comparisons