| Metric | Home Banking Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.4% | -7.1 pts |
| Deposit growth (YoY) | -3.8% | +4.0% | -7.8 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 0.42% | 1.24% | -0.8 pts |
| ROE | 4.8% | 11.9% | -7.1 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $124.0M | $111.5M | $62.0M | $11.1M | $262K | 0.42% | 3.69% | 0.75% |
| Q1 2026 | $129.6M | $117.3M | $61.4M | $10.9M | $190K | 0.60% | 3.62% | 0.78% |
| Q4 2025 | $123.0M | $111.1M | $59.9M | $10.7M | $76K | 0.06% | 3.26% | 0.72% |
| Q3 2025 | $121.2M | $107.8M | $59.9M | $10.5M | $52K | 0.05% | 3.17% | 0.35% |
| Q2 2025 | $127.5M | $115.9M | $61.8M | $10.2M | $57K | 0.08% | 3.07% | 0.26% |
| Q1 2025 | $147.6M | $130.3M | $65.3M | $9.9M | $-34K | -0.09% | 2.99% | 0.30% |
| Q4 2024 | $144.1M | $129.0M | $66.9M | $7.7M | $6K | 0.00% | 2.56% | 0.41% |
| Q3 2024 | $144.2M | $129.1M | $68.3M | $7.7M | $-83K | -0.07% | 2.51% | 0.22% |
Loan mix (Q2 2026): real estate $49.9M · commercial $4.9M · consumer $7.7M · securities $44.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Home Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.2% | 62.9% | 91th |
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 Banking Company | 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 Banking Company | 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 Banking Company | 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 Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.