| Metric | Home State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +8.5% | +4.0% | +4.6 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.5 pts |
| ROA | -0.27% | 1.24% | -1.5 pts |
| ROE | -3.1% | 11.9% | -15.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $480.7M | $436.9M | $378.4M | $41.5M | $-649K | -0.27% | 3.67% | 1.81% |
| Q1 2026 | $485.7M | $442.1M | $376.1M | $41.6M | $-1.5M | -1.27% | 3.69% | 2.26% |
| Q4 2025 | $460.2M | $417.5M | $365.6M | $40.7M | $5.0M | 1.12% | 3.73% | 1.78% |
| Q3 2025 | $462.5M | $420.0M | $365.2M | $40.2M | $4.1M | 1.24% | 3.80% | 0.26% |
| Q2 2025 | $443.1M | $402.6M | $350.0M | $38.3M | $2.7M | 1.22% | 3.77% | 0.00% |
| Q1 2025 | $444.1M | $404.1M | $346.8M | $37.9M | $1.3M | 1.19% | 3.66% | 0.48% |
| Q4 2024 | $430.2M | $390.6M | $339.4M | $37.2M | $4.8M | 1.12% | 3.52% | 0.25% |
| Q3 2024 | $431.1M | $386.6M | $339.0M | $37.6M | $3.5M | 1.09% | 3.47% | 0.34% |
Loan mix (Q2 2026): real estate $275.2M · commercial $65.8M · consumer $2.1M · securities $50.7M
| Ratio | Home State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.27% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 62.9% | 47th |
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 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 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 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 State 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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