| Metric | Home Savings Bank, FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.4% | +3.0% | -10.4 pts |
| Deposit growth (YoY) | +5.8% | +2.5% | +3.3 pts |
| Loan growth (YoY) | -9.6% | +2.6% | -12.2 pts |
| ROA | -1.29% | 0.99% | -2.3 pts |
| ROE | -11.4% | 8.1% | -19.5 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.7M | $20.1M | $20.0M | $2.9M | $-171K | -1.29% | 2.62% | 5.84% |
| Q1 2026 | $27.2M | $19.8M | $19.8M | $3.0M | $-76K | -1.13% | 2.41% | 5.42% |
| Q4 2025 | $26.7M | $19.2M | $21.1M | $3.1M | $-288K | -1.05% | 2.76% | 5.27% |
| Q3 2025 | $26.6M | $18.9M | $21.1M | $3.2M | $-214K | -1.04% | 2.69% | 5.34% |
| Q2 2025 | $27.8M | $19.0M | $22.1M | $3.2M | $-140K | -1.01% | 2.74% | 3.62% |
| Q1 2025 | $28.0M | $18.7M | $22.3M | $3.3M | $-37K | -0.53% | 2.75% | 2.66% |
| Q4 2024 | $27.8M | $18.4M | $22.1M | $3.4M | $-52K | -0.19% | 2.88% | 1.46% |
| Q3 2024 | $27.1M | $18.3M | $21.8M | $3.4M | $-18K | -0.09% | 2.94% | 1.02% |
Loan mix (Q2 2026): real estate $20.1M · commercial $0 · consumer $0 · securities $8K
| Ratio | Home Savings Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.29% | 0.99% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -11.4% | 8.1% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 147.6% | 70.8% | 96th |
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, FSB | 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, FSB | 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, FSB | 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, FSB | 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.