Home Savings Bank
Salt Lake City, UT · Cert 26798 · Peer group: banks under $1B in assets (n=581-629) · JGS Jr Family Holding Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
$108.8MAssets
$93.5MLoans
$76.4MDeposits
$16.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: return on equity trails 72% of banks under $1B in assets (rank 455 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
0.91%
Rank 366 of 629
Net Interest Margin
3.97%
Rank 179 of 629
Efficiency Ratio
67.15%
Rank 305 of 629
Equity / Assets
15.36%
Rank 130 of 629
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 52% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.60% | 1.01% | 1.45% | Beats 42% | 366 / 629 | |
| Return on Equity | 5.92% | 5.38% | 9.30% | 13.28% | Beats 28% | 455 / 629 | |
| Net Interest Margin | 3.97% | 3.03% | 3.54% | 4.05% | Beats 72% | 179 / 629 | |
| Efficiency Ratio | 67.15% | 58.35% | 67.79% | 79.08% | Beats 52% | 305 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.73% | 11.24% | 13.84% | 18.77% | Beats 64% | 229 / 629 | |
| Total Risk-Based Capital Ratio | 15.73% | 11.58% | 14.43% | 19.66% | Beats 59% | 258 / 629 | |
| Equity / Assets | 15.36% | 9.09% | 10.65% | 13.80% | Beats 79% | 130 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 122.42% | 67.24% | 80.90% | 93.48% | 98th pctl | 9 / 594 | |
| Loans / Assets | 85.97% | 53.31% | 67.71% | 78.15% | 94th pctl | 35 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |