Hometown Savings Bank, The
Terre Haute, IN · Cert 17736 · Peer group: banks under $1B in assets (n=573-620) · Terre Haute Savings MHC Inc.
SI · FDIC · 8 branches
Q2 2026
$455.7MAssets
$293.9MLoans
$406.3MDeposits
$28.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 47% of banks under $1B in assets (rank 308 of 573).
- Widest gap: equity / assets trails 98% of banks under $1B in assets (rank 607 of 620).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.22%
Rank 550 of 620
Net Interest Margin
2.64%
Rank 543 of 620
Efficiency Ratio
92.87%
Rank 557 of 620
Equity / Assets
6.20%
Rank 607 of 620
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 10% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.22% | 0.60% | 1.00% | 1.45% | Beats 11% | 550 / 620 | |
| Return on Equity | 3.52% | 5.30% | 9.30% | 13.29% | Beats 17% | 515 / 620 | |
| Net Interest Margin | 2.64% | 3.02% | 3.53% | 4.04% | Beats 12% | 543 / 620 | |
| Efficiency Ratio | 92.87% | 58.35% | 68.08% | 79.37% | Beats 10% | 557 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.09% | 0.47% | 1.27% | Beats 45% | 318 / 573 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 308 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 12.93% | 11.27% | 13.87% | 18.78% | Beats 42% | 357 / 620 | |
| Total Risk-Based Capital Ratio | 14.10% | 11.69% | 14.57% | 19.67% | Beats 47% | 331 / 620 | |
| Equity / Assets | 6.20% | 9.03% | 10.60% | 13.73% | Beats 2% | 607 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 72.35% | 65.08% | 79.69% | 92.47% | 36th pctl | 374 / 585 | |
| Loans / Assets | 64.51% | 51.85% | 67.17% | 77.86% | 45th pctl | 344 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |