Home Bank SB
Martinsville, IN · Cert 29881 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 6 branches
Q2 2026
$433.1MAssets
$261.2MLoans
$370.9MDeposits
$40.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 41% of banks under $1B in assets operating in a single state (rank 437 of 743).
- Widest gap: efficiency ratio trails 86% of banks under $1B in assets operating in a single state (rank 641 of 746).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.65%
Rank 586 of 746
Net Interest Margin
3.17%
Rank 559 of 746
Efficiency Ratio
82.49%
Rank 641 of 746
Equity / Assets
9.28%
Rank 522 of 746
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 14% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.72% | 1.06% | 1.45% | Beats 21% | 586 / 746 | | |
| Return on Equity | 6.98% | 6.74% | 10.51% | 13.63% | Beats 27% | 545 / 746 | | |
| Net Interest Margin | 3.17% | 3.17% | 3.68% | 4.16% | Beats 25% | 559 / 746 | | |
| Efficiency Ratio | 82.49% | 55.74% | 64.58% | 75.47% | Beats 14% | 641 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.09% | 0.42% | 1.07% | Beats 31% | 511 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 41% | 437 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.46% | 11.55% | 13.75% | 17.60% | Beats 36% | 475 / 746 | | |
| Total Risk-Based Capital Ratio | 12.46% | 11.71% | 14.33% | 18.43% | Beats 32% | 505 / 746 | | |
| Equity / Assets | 9.28% | 8.90% | 10.51% | 13.06% | Beats 30% | 522 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.42% | 61.31% | 78.27% | 90.78% | 36th pctl | 477 / 746 | | |
| Loans / Assets | 60.30% | 53.60% | 66.97% | 76.08% | 36th pctl | 480 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |