Hometown Savings Bank, The
Terre Haute, IN · Cert 17736 · Peer group: banks under $1B in assets (n=581-629) · 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 48% of banks under $1B in assets (rank 303 of 581).
- Widest gap: equity / assets trails 98% of banks under $1B in assets (rank 617 of 629).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.22%
Rank 560 of 629
Net Interest Margin
2.64%
Rank 552 of 629
Efficiency Ratio
92.87%
Rank 565 of 629
Equity / Assets
6.20%
Rank 617 of 629
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% | 1.01% | 1.45% | Beats 11% | 560 / 629 | |
| Return on Equity | 3.52% | 5.38% | 9.30% | 13.28% | Beats 17% | 523 / 629 | |
| Net Interest Margin | 2.64% | 3.03% | 3.54% | 4.05% | Beats 12% | 552 / 629 | |
| Efficiency Ratio | 92.87% | 58.35% | 67.79% | 79.08% | Beats 10% | 565 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.09% | 0.46% | 1.20% | Beats 44% | 328 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 48% | 303 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.93% | 11.24% | 13.84% | 18.77% | Beats 43% | 361 / 629 | |
| Total Risk-Based Capital Ratio | 14.10% | 11.58% | 14.43% | 19.66% | Beats 47% | 334 / 629 | |
| Equity / Assets | 6.20% | 9.09% | 10.65% | 13.80% | Beats 2% | 617 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 72.35% | 67.24% | 80.90% | 93.48% | 34th pctl | 392 / 594 | |
| Loans / Assets | 64.51% | 53.31% | 67.71% | 78.15% | 43rd pctl | 358 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |