| Metric | Homestead Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.9% | -0.1 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| Loan growth (YoY) | -2.0% | +5.3% | -7.3 pts |
| ROA | 1.65% | 1.28% | +0.4 pts |
| ROE | 9.0% | 12.4% | -3.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $537.0M | $413.6M | $331.8M | $99.0M | $4.4M | 1.65% | 4.17% | 0.17% |
| Q1 2026 | $530.5M | $408.1M | $344.3M | $96.8M | $2.2M | 1.70% | 4.19% | 0.23% |
| Q4 2025 | $521.8M | $399.7M | $368.0M | $94.9M | $8.2M | 1.59% | 4.06% | 0.19% |
| Q3 2025 | $514.5M | $394.8M | $330.8M | $92.3M | $5.9M | 1.52% | 3.98% | 0.21% |
| Q2 2025 | $512.6M | $396.4M | $338.5M | $89.2M | $3.9M | 1.53% | 3.95% | 0.15% |
| Q1 2025 | $515.7M | $400.4M | $341.0M | $86.4M | $1.9M | 1.49% | 3.91% | 1.40% |
| Q4 2024 | $508.5M | $395.3M | $352.1M | $83.3M | $6.6M | 1.30% | 3.60% | 0.48% |
| Q3 2024 | $502.8M | $390.6M | $322.1M | $82.4M | $4.6M | 1.21% | 3.51% | 0.09% |
Loan mix (Q2 2026): real estate $168.6M · commercial $22.9M · consumer $7.5M · securities $113.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Homestead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.28% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 61.2% | 23th |
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 | Homestead 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 | Homestead 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 | Homestead 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 | Homestead 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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