| Metric | HomeBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +4.9% | +7.3 pts |
| Deposit growth (YoY) | +10.8% | +4.3% | +6.4 pts |
| Loan growth (YoY) | +14.9% | +5.3% | +9.6 pts |
| ROA | 2.12% | 1.28% | +0.8 pts |
| ROE | 22.9% | 12.4% | +10.5 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $733.3M | $604.3M | $619.1M | $68.8M | $7.7M | 2.12% | 4.73% | 0.25% |
| Q1 2026 | $727.3M | $598.9M | $609.8M | $66.9M | $3.5M | 1.97% | 4.70% | 0.46% |
| Q4 2025 | $711.6M | $600.7M | $578.9M | $65.4M | $12.7M | 1.90% | 4.68% | 0.49% |
| Q3 2025 | $663.8M | $548.2M | $552.4M | $63.6M | $10.1M | 2.04% | 4.68% | 0.53% |
| Q2 2025 | $653.4M | $545.5M | $538.5M | $61.7M | $6.5M | 1.97% | 4.59% | 0.59% |
| Q1 2025 | $658.6M | $550.0M | $529.9M | $60.4M | $3.1M | 1.87% | 4.48% | 1.32% |
| Q4 2024 | $652.1M | $540.7M | $529.7M | $58.8M | $9.7M | 1.57% | 4.34% | 0.65% |
| Q3 2024 | $635.9M | $521.3M | $507.1M | $58.3M | $6.8M | 1.50% | 4.31% | 0.02% |
Loan mix (Q2 2026): real estate $417.9M · commercial $114.0M · consumer $10.1M · securities $30.8M
| Ratio | HomeBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.28% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 22.9% | 12.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 61.2% | 33th |
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 | HomeBank | 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 | HomeBank | 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 | HomeBank | 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 | HomeBank | 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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