Hosmer, SD · Cert 12293
FDIC · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=843 to 849). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
100
Profitability
87
Liquidity
74
Efficiency
77
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hosmer, SD · Cert 12293
FDIC · 1 branch
Q3 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.55% | 1.29% | 1.22% | 1.22% | 2.51% | 2.00% | 2.08% | +85 bps | |
| Return on Equity | 8.04% | 9.81% | 7.84% | 7.38% | 7.36% | 15.36% | 12.10% | 12.39% | +501 bps | |
| Net Interest Margin | 4.22% | 4.59% | 4.68% | 4.68% | 4.70% | 4.56% | 4.59% | 4.61% | -7 bps | |
| Efficiency Ratio | 67.16% | 58.24% | 66.79% | 68.05% | 68.51% | 56.44% | 59.59% | 57.47% | -1,058 bps | |
| Non-Interest Burden | 2.75% | 2.58% | 3.06% | 3.11% | 3.14% | 2.42% | 2.60% | 2.53% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.89% | -8.49% | -18.12% | -13.57% | -7.16% | 2.42% | 7.09% | 0.50% | +1,407 bps | |
| Loan Growth (YoY) | 2.46% | -6.17% | -26.22% | -18.03% | -15.63% | -4.21% | 22.65% | 7.71% | +2,574 bps | |
| Deposit Growth (YoY) | -7.95% | -10.14% | -11.23% | -10.25% | 5.18% | 7.53% | 4.34% | 3.89% | +1,413 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.18% | 0.00% | 0.00% | 1.02% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.06% | -0.05% | -0.05% | -0.05% | -0.03% | -0.03% | -0.04% | +1 bps | |
| Allowance / Loans | 2.35% | 2.49% | 3.05% | 2.76% | 2.84% | 2.21% | 2.12% | 1.98% | -77 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.6x | n/a | n/a | 2.2x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.91% | 15.79% | 16.30% | 16.99% | 17.22% | 16.04% | 16.38% | 16.92% | -8 bps | |
| Total Risk-Based Capital | 14.91% | 15.79% | 16.30% | 16.99% | 17.22% | 16.04% | 16.38% | 16.92% | -8 bps | |
| Equity / Assets | 15.42% | 16.16% | 17.85% | 17.09% | 16.84% | 15.90% | 16.96% | 17.32% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.21% | 84.51% | 73.11% | 80.76% | 70.75% | 75.29% | 85.94% | 83.73% | +297 bps | |
| Liquid Assets / Assets | 30.46% | 28.52% | 35.06% | 32.72% | 29.71% | 26.94% | 27.78% | 26.28% | -644 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 62.48% | n/a | n/a |
Hosmer, SD · Cert 12293 · Peer group: banks under $1B in assets operating in a single state (n=843-849)
FDIC · 1 branch
Q3 2025
Return on Assets
2.11%
Rank 39 of 849
Net Interest Margin
4.61%
Rank 72 of 849
Efficiency Ratio
57.47%
Rank 197 of 849
Equity / Assets
17.32%
Rank 74 of 849
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.11% | 0.60% | 0.92% | 1.34% | Beats 95% | 39 / 849 | ||
| Return on Equity | 12.19% | 5.33% | 9.20% | 12.48% | Beats 73% | 233 / 848 | ||
| Net Interest Margin | 4.61% | 2.93% | 3.45% | 4.03% | Beats 92% | 72 / 849 | ||
| Efficiency Ratio | 57.47% | 58.46% | 68.22% | 77.90% | Beats 77% | 197 / 849 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.40% | 1.03% | Beats 100% | 129 / 843 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 175 / 843 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.92% | 11.59% | 13.93% | 17.99% | Beats 70% | 258 / 849 | ||
| Total Risk-Based Capital Ratio | 16.92% | 11.90% | 14.68% | 18.78% | Beats 66% | 286 / 849 | ||
| Equity / Assets | 17.32% | 8.73% | 10.40% | 13.12% | Beats 91% | 74 / 849 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.73% | 62.07% | 77.56% | 89.95% | 62nd pctl | 325 / 849 | ||
| Loans / Assets | 66.99% | 53.39% | 65.75% | 75.62% | 53rd pctl | 397 / 843 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 2.94% | Beats 100% | 521 / 849 | n/a | |