| Metric | Home Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +4.4% | -9.2 pts |
| Deposit growth (YoY) | -11.3% | +4.0% | -15.2 pts |
| Loan growth (YoY) | -3.7% | +5.6% | -9.3 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 5.9% | 11.9% | -6.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $108.8M | $76.4M | $92.5M | $16.7M | $495K | 0.89% | 3.91% | 0.00% |
| Q1 2026 | $111.4M | $89.0M | $88.6M | $16.5M | $269K | 0.96% | 3.85% | 0.00% |
| Q4 2025 | $113.0M | $89.8M | $95.7M | $17.2M | $1.0M | 0.87% | 3.76% | 0.00% |
| Q3 2025 | $116.9M | $87.8M | $98.9M | $17.0M | $738K | 0.85% | 3.82% | 0.00% |
| Q2 2025 | $114.3M | $86.1M | $96.1M | $17.9M | $650K | 1.12% | 3.78% | 0.00% |
| Q1 2025 | $115.0M | $88.0M | $97.9M | $17.6M | $403K | 1.38% | 3.97% | 0.00% |
| Q4 2024 | $118.5M | $89.3M | $95.9M | $18.2M | $1.3M | 1.03% | 3.54% | 0.00% |
| Q3 2024 | $126.0M | $91.2M | $107.1M | $17.8M | $873K | 0.94% | 3.49% | 0.00% |
Loan mix (Q2 2026): real estate $93.5M · commercial $0 · consumer $0 · securities $0
| Ratio | Home Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 62.9% | 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 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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