| Metric | Home Loan State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.7% | +4.4% | +12.3 pts |
| Deposit growth (YoY) | +16.1% | +4.0% | +12.2 pts |
| Loan growth (YoY) | +6.1% | +5.6% | +0.5 pts |
| ROA | 0.93% | 1.24% | -0.3 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $235.3M | $215.9M | $88.3M | $16.1M | $1.1M | 0.93% | 3.46% | 0.00% |
| Q1 2026 | $230.5M | $211.4M | $86.1M | $16.0M | $435K | 0.75% | 3.15% | 0.47% |
| Q4 2025 | $234.0M | $215.5M | $87.1M | $15.7M | $1.5M | 0.70% | 3.40% | 0.53% |
| Q3 2025 | $208.6M | $189.9M | $84.4M | $15.5M | $1.6M | 1.03% | 3.51% | 0.63% |
| Q2 2025 | $201.6M | $185.9M | $83.2M | $12.8M | $463K | 0.47% | 3.16% | 2.04% |
| Q1 2025 | $192.9M | $177.1M | $78.3M | $12.9M | $229K | 0.46% | 3.10% | 2.13% |
| Q4 2024 | $201.5M | $186.6M | $82.9M | $11.9M | $535K | 0.27% | 3.19% | 2.04% |
| Q3 2024 | $202.2M | $185.4M | $84.2M | $13.8M | $621K | 0.43% | 3.32% | 0.00% |
Loan mix (Q2 2026): real estate $66.3M · commercial $17.5M · consumer $535K · securities $89.9M
| Ratio | Home Loan State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 62.9% | 58th |
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 Loan State Bank | 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 Loan State Bank | 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 Loan State Bank | 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 Loan State Bank | 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.