Home Trust & Savings Bank, The
Osage, IA · Cert 963 · Peer group: banks under $1B in assets in IA (n=134-135) · HTB Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$287.7MAssets
$212.0MLoans
$252.9MDeposits
$28.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 87% of banks under $1B in assets in IA (rank 19 of 135).
- Widest gap: net interest margin trails 92% of banks under $1B in assets in IA (rank 124 of 135).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.10%
Rank 80 of 135
Net Interest Margin
2.59%
Rank 124 of 135
Efficiency Ratio
45.32%
Rank 19 of 135
Equity / Assets
9.86%
Rank 103 of 135
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 87% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.92% | 1.19% | 1.47% | Beats 41% | 80 / 135 | | |
| Return on Equity | 11.12% | 7.99% | 10.26% | 13.14% | Beats 59% | 56 / 135 | | |
| Net Interest Margin | 2.59% | 2.95% | 3.41% | 3.73% | Beats 8% | 124 / 135 | | |
| Efficiency Ratio | 45.32% | 50.61% | 57.35% | 63.29% | Beats 87% | 19 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.03% | 0.51% | 1.26% | Beats 37% | 86 / 134 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 47% | 72 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 15.11% | 11.23% | 13.31% | 15.45% | Beats 70% | 41 / 135 | | |
| Total Risk-Based Capital Ratio | 16.33% | 11.61% | 14.06% | 16.47% | Beats 73% | 37 / 135 | | |
| Equity / Assets | 9.86% | 9.87% | 11.05% | 13.07% | Beats 24% | 103 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.82% | 68.54% | 81.55% | 91.24% | 56th pctl | 59 / 134 | | |
| Loans / Assets | 73.68% | 57.61% | 68.06% | 76.23% | 65th pctl | 47 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |