| Metric | Home Bank SB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.3 pts |
| Loan growth (YoY) | +1.7% | +5.6% | -3.8 pts |
| ROA | 0.65% | 1.24% | -0.6 pts |
| ROE | 7.2% | 11.9% | -4.6 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $433.1M | $370.9M | $258.3M | $40.2M | $1.4M | 0.65% | 3.66% | 0.52% |
| Q1 2026 | $431.7M | $368.9M | $257.1M | $38.2M | $659K | 0.61% | 3.58% | 0.42% |
| Q4 2025 | $433.5M | $360.9M | $255.2M | $38.1M | $2.4M | 0.56% | 3.38% | 0.40% |
| Q3 2025 | $427.7M | $355.3M | $253.2M | $35.8M | $1.5M | 0.48% | 3.32% | 0.20% |
| Q2 2025 | $433.3M | $364.9M | $253.8M | $32.2M | $784K | 0.37% | 3.22% | 0.53% |
| Q1 2025 | $422.1M | $362.3M | $242.4M | $33.3M | $245K | 0.23% | 3.12% | 0.25% |
| Q4 2024 | $421.2M | $361.5M | $237.1M | $32.4M | $1.6M | 0.39% | 3.11% | 0.34% |
| Q3 2024 | $411.1M | $356.0M | $227.9M | $35.4M | $1.2M | 0.37% | 3.12% | 0.28% |
Loan mix (Q2 2026): real estate $252.3M · commercial $5.8M · consumer $2.8M · securities $108.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Home Bank SB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.5% | 62.9% | 87th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Home Bank SB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Home Bank SB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Home Bank SB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Home Bank SB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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