Homebank
Palmyra, MO · Cert 14492 · Peer group: banks under $1B in assets operating regionally (n=94) · Byron B Webb Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$733.3MAssets
$625.3MLoans
$604.3MDeposits
$68.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 97% of banks under $1B in assets operating regionally (rank 3 of 94).
- Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets operating regionally (rank 85 of 94).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 10 of 94
Net Interest Margin
4.32%
Rank 17 of 94
Efficiency Ratio
55.35%
Rank 21 of 94
Equity / Assets
9.38%
Rank 66 of 94
Non-interest income vs. expense
Unfavorable gap of $15.5M · efficiency ratio beats 79% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.82% | 1.19% | 1.46% | Beats 89% | 10 / 94 | |
| Return on Equity | 17.53% | 7.85% | 11.84% | 14.03% | Beats 97% | 3 / 94 | |
| Net Interest Margin | 4.32% | 3.42% | 3.81% | 4.18% | Beats 82% | 17 / 94 | |
| Efficiency Ratio | 55.35% | 55.99% | 62.41% | 73.02% | Beats 79% | 21 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.19% | 0.47% | 1.14% | Beats 63% | 36 / 94 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 87% | 17 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 9.61% | 10.28% | 11.95% | 15.07% | Beats 11% | 84 / 94 | |
| Total Risk-Based Capital Ratio | 9.61% | 10.31% | 12.59% | 15.88% | Beats 10% | 85 / 94 | |
| Equity / Assets | 9.38% | 8.98% | 10.21% | 11.41% | Beats 30% | 66 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 103.49% | 72.62% | 84.44% | 94.55% | 89th pctl | 10 / 94 | |
| Loans / Assets | 85.27% | 62.50% | 72.84% | 78.99% | 87th pctl | 12 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |