| Metric | Home National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.0% | +1.0 pts |
| Deposit growth (YoY) | +5.9% | +2.5% | +3.4 pts |
| Loan growth (YoY) | +1.2% | +2.6% | -1.4 pts |
| ROA | 0.90% | 0.99% | -0.1 pts |
| ROE | 9.5% | 8.1% | +1.4 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $95.0M | $84.0M | $56.5M | $8.6M | $412K | 0.90% | 5.00% | 1.47% |
| Q1 2026 | $90.8M | $79.6M | $57.4M | $8.6M | $177K | 0.78% | 4.87% | 1.66% |
| Q4 2025 | $89.9M | $78.7M | $55.3M | $8.8M | $544K | 0.60% | 4.74% | 1.42% |
| Q3 2025 | $89.6M | $78.4M | $54.3M | $8.7M | $432K | 0.63% | 4.69% | 1.01% |
| Q2 2025 | $91.3M | $79.3M | $55.8M | $8.1M | $299K | 0.66% | 4.52% | 1.02% |
| Q1 2025 | $92.0M | $80.1M | $55.0M | $8.0M | $136K | 0.60% | 4.33% | 1.48% |
| Q4 2024 | $90.1M | $78.6M | $54.6M | $7.8M | $583K | 0.68% | 4.29% | 1.91% |
| Q3 2024 | $91.0M | $78.9M | $52.5M | $8.3M | $440K | 0.69% | 4.24% | 1.28% |
Loan mix (Q2 2026): real estate $44.6M · commercial $4.6M · consumer $7.8M · securities $21.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Home National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.99% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 8.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 70.8% | 62th |
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 National 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 National 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 National 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 National Bank | 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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