Homestreet Bank
Seattle, WA · Cert 32489 · Peer group: banks $1B-$10B in assets operating regionally (n=184)
FDIC · 59 branches
Q2 2025
$7.6BAssets
$6.0BLoans
$5.9BDeposits
$615.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 88% of banks $1B-$10B in assets operating regionally (rank 23 of 184).
- Widest gap: net interest margin trails 98% of banks $1B-$10B in assets operating regionally (rank 181 of 184).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.05%
Rank 180 of 184
Net Interest Margin
1.86%
Rank 181 of 184
Efficiency Ratio
91.87%
Rank 178 of 184
Equity / Assets
8.10%
Rank 157 of 184
Non-interest income vs. expense
Unfavorable gap of $129.1M · efficiency ratio beats 4% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.84% | 1.11% | 1.39% | Beats 2% | 180 / 184 | | |
| Return on Equity | 0.56% | 7.80% | 11.07% | 14.17% | Beats 2% | 180 / 184 | | |
| Net Interest Margin | 1.86% | 2.97% | 3.36% | 3.72% | Beats 2% | 181 / 184 | | |
| Efficiency Ratio | 91.87% | 55.11% | 60.92% | 69.60% | Beats 4% | 178 / 184 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.29% | 0.56% | 0.99% | Beats 19% | 150 / 184 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.09% | Beats 88% | 23 / 184 | | |
| Capital |
| Tier 1 Capital Ratio | 12.76% | 11.20% | 12.29% | 13.88% | Beats 58% | 78 / 184 | | |
| Total Risk-Based Capital Ratio | 13.66% | 12.04% | 13.38% | 14.88% | Beats 57% | 80 / 184 | | |
| Equity / Assets | 8.10% | 8.81% | 10.14% | 11.73% | Beats 15% | 157 / 184 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.06% | 81.10% | 89.51% | 95.77% | 89th pctl | 20 / 184 | | |
| Loans / Assets | 78.77% | 69.04% | 75.29% | 80.57% | 66th pctl | 63 / 184 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |