| Metric | Home State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +8.7% | +4.0% | +4.8 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 1.18% | 1.24% | -0.1 pts |
| ROE | 15.4% | 11.9% | +3.5 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $218.9M | $194.3M | $120.8M | $17.3M | $1.3M | 1.18% | 3.97% | 0.05% |
| Q1 2026 | $223.7M | $197.9M | $120.4M | $16.1M | $629K | 1.16% | 3.95% | 0.01% |
| Q4 2025 | $208.6M | $182.9M | $118.3M | $16.4M | $2.4M | 1.14% | 3.95% | 0.00% |
| Q3 2025 | $209.4M | $181.0M | $119.6M | $14.8M | $1.8M | 1.11% | 3.88% | 0.10% |
| Q2 2025 | $209.6M | $178.7M | $118.9M | $12.6M | $1.2M | 1.09% | 3.81% | 0.25% |
| Q1 2025 | $212.0M | $181.9M | $111.0M | $11.4M | $534K | 1.01% | 3.68% | 0.32% |
| Q4 2024 | $211.4M | $176.1M | $110.2M | $10.8M | $2.1M | 1.01% | 3.62% | 0.34% |
| Q3 2024 | $206.3M | $171.6M | $109.4M | $12.7M | $1.5M | 1.00% | 3.59% | 0.00% |
Loan mix (Q2 2026): real estate $88.1M · commercial $23.5M · consumer $5.0M · securities $73.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Home State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 62.9% | 70th |
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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