| Metric | HomePride Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.4 pts |
| Loan growth (YoY) | -3.2% | +5.6% | -8.8 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 7.8% | 11.9% | -4.1 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.3M | $112.0M | $93.7M | $12.7M | $488K | 0.78% | 4.44% | 0.38% |
| Q1 2026 | $125.5M | $112.4M | $94.3M | $12.6M | $196K | 0.63% | 4.29% | 0.29% |
| Q4 2025 | $124.4M | $110.4M | $94.5M | $12.5M | $1.1M | 0.87% | 4.33% | 0.31% |
| Q3 2025 | $122.0M | $107.1M | $95.1M | $12.3M | $762K | 0.83% | 4.29% | 0.27% |
| Q2 2025 | $123.9M | $108.1M | $96.9M | $12.1M | $593K | 0.97% | 4.26% | 0.27% |
| Q1 2025 | $125.1M | $108.6M | $96.5M | $11.9M | $239K | 0.78% | 4.05% | 0.26% |
| Q4 2024 | $118.9M | $101.3M | $97.2M | $11.6M | $879K | 0.73% | 4.02% | 0.51% |
| Q3 2024 | $119.5M | $101.6M | $95.4M | $11.7M | $696K | 0.76% | 3.96% | 0.73% |
Loan mix (Q2 2026): real estate $84.7M · commercial $5.8M · consumer $2.5M · securities $7.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | HomePride Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 62.9% | 87th |
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 | HomePride 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 | HomePride 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 | HomePride 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 | HomePride 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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