| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -2.1% | +4.0% | -6.1 pts |
| Loan growth (YoY) | +1.6% | +5.6% | -4.0 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 15.8% | 11.9% | +3.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $244.1M | $227.2M | $135.9M | $14.2M | $1.1M | 0.91% | 3.48% | 0.25% |
| Q1 2026 | $236.6M | $220.7M | $133.5M | $13.5M | $480K | 0.83% | 3.39% | 0.40% |
| Q4 2025 | $227.7M | $211.8M | $131.8M | $13.3M | $1.6M | 0.65% | 3.26% | 0.23% |
| Q3 2025 | $239.8M | $224.1M | $133.4M | $12.8M | $1.1M | 0.62% | 3.17% | 0.24% |
| Q2 2025 | $246.8M | $232.2M | $133.8M | $11.4M | $709K | 0.58% | 3.11% | 0.25% |
| Q1 2025 | $246.4M | $232.9M | $136.3M | $10.4M | $329K | 0.55% | 3.05% | 0.26% |
| Q4 2024 | $235.4M | $223.7M | $132.1M | $8.9M | $1.7M | 0.72% | 3.14% | 0.31% |
| Q3 2024 | $232.7M | $218.8M | $129.3M | $11.1M | $1.3M | 0.79% | 3.13% | 0.34% |
Loan mix (Q2 2026): real estate $106.5M · commercial $20.0M · consumer $4.6M · securities $68.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Homeland Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 62.9% | 61th |
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 | Homeland Community 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 | Homeland Community 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 | Homeland Community 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 | Homeland Community 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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