| Metric | Home Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +8.7% | +4.0% | +4.8 pts |
| Loan growth (YoY) | -3.0% | +5.6% | -8.6 pts |
| ROA | 1.00% | 1.24% | -0.2 pts |
| ROE | 5.9% | 11.9% | -6.0 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.1M | $90.5M | $71.7M | $19.6M | $568K | 1.00% | 4.07% | 0.07% |
| Q1 2026 | $113.3M | $88.8M | $73.3M | $19.4M | $276K | 0.98% | 4.05% | 0.07% |
| Q4 2025 | $112.7M | $88.5M | $74.2M | $19.2M | $1.2M | 1.08% | 3.96% | 0.07% |
| Q3 2025 | $111.2M | $86.9M | $74.4M | $18.8M | $899K | 1.09% | 3.90% | 0.08% |
| Q2 2025 | $110.0M | $83.2M | $74.0M | $18.2M | $455K | 0.84% | 3.83% | 0.08% |
| Q1 2025 | $109.4M | $85.5M | $75.3M | $17.9M | $240K | 0.89% | 3.79% | 0.08% |
| Q4 2024 | $107.4M | $81.8M | $76.8M | $17.5M | $748K | 0.72% | 3.74% | 0.16% |
| Q3 2024 | $106.1M | $83.8M | $75.8M | $17.7M | $634K | 0.81% | 3.74% | 0.17% |
Loan mix (Q2 2026): real estate $55.6M · commercial $5.6M · consumer $3.3M · securities $33.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Home Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 62.9% | 63th |
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 Savings 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 Savings 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 Savings 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 Savings 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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