Home Savings and Loan Association of Carroll County, F.A.
Norborne, MO · Cert 27898 · Peer group: banks under $1B in assets in MO (n=82-83)
SL · OCC · 2 branches
Q2 2026
$131.4MAssets
$89.2MLoans
$111.6MDeposits
$19.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of banks under $1B in assets in MO (rank 4 of 83).
- Widest gap: return on equity trails 87% of banks under $1B in assets in MO (rank 72 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.96%
Rank 63 of 83
Net Interest Margin
3.25%
Rank 67 of 83
Efficiency Ratio
64.40%
Rank 57 of 83
Equity / Assets
14.69%
Rank 9 of 83
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 33% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.96% | 1.32% | 1.75% | Beats 24% | 63 / 83 | |
| Return on Equity | 6.56% | 9.66% | 12.96% | 15.76% | Beats 13% | 72 / 83 | |
| Net Interest Margin | 3.25% | 3.35% | 3.85% | 4.16% | Beats 19% | 67 / 83 | |
| Efficiency Ratio | 64.40% | 49.83% | 58.83% | 68.51% | Beats 33% | 57 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.08% | 0.51% | 1.01% | Beats 39% | 51 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 50% | 42 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 23.98% | 11.01% | 12.49% | 14.98% | Beats 95% | 4 / 83 | |
| Total Risk-Based Capital Ratio | 25.23% | 11.13% | 13.01% | 15.10% | Beats 95% | 4 / 83 | |
| Equity / Assets | 14.69% | 8.83% | 10.71% | 13.29% | Beats 89% | 9 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 79.91% | 69.28% | 83.22% | 91.21% | 45th pctl | 45 / 82 | |
| Loans / Assets | 67.87% | 59.34% | 71.15% | 78.36% | 37th pctl | 52 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |