BlastPoint's Banking Scorecard

Hometown Community Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10197

Cyrus, MN

4 branches across MN · ND

2664 banks in the $100M-$1B peer group nationally 152 in MN

Hometown Community Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 14.0% in tier
+ Efficiency Ratio 20.83% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 40.3% in tier
- Net Interest Margin 0.12% below tier average
- Delinquency Rate 1.01% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$103.1M +9.7% YoY -1.9% QoQ	-$283.0M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 1.1% in tier
Total Loans ?	$85.2M +9.3% YoY -1.8% QoQ	-$170.5M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 13.5% in tier
Total Deposits ?	$93.0M +10.7% YoY -1.5% QoQ	-$235.0M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 3.6% in tier
Return on Assets ?	1.90% +74.9% YoY +49.0% QoQ	+0.63%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	85%
Net Interest Margin ?	3.81% +15.5% YoY +9.1% QoQ	-0.12%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	44.46% -22.9% YoY -20.0% QoQ	-20.83%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 8.3% in tier
Delinquency Rate ?	1.90% +33.3% YoY +40.8% QoQ	+1.01%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 13.5% in tier
Loan-to-Deposit Ratio ?	91.63% -1.2% YoY -0.3% QoQ	+14.99%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	16.00% -11.3% YoY -12.1% QoQ	-6.02%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	1.57% +32.9% YoY +40.9% QoQ	+0.93%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 10.8% in tier
Tier 1 Capital Ratio ?	9.38% -0.1% YoY +5.5% QoQ	-6.45%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 3.2% in tier
Non-Interest Income / Assets ?	0.04% +133.7% YoY -58.2% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 13.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#94 of 666 • Top 14.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.90%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Strain

risk

#260 of 643 • Bottom 40.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

222

Efficiency Ratio

profitability

Value: 44.46%

Peer Median: 65.29%

#222 of 2664 Top 8.3% in $100M-$1B

409

Return on Assets

profitability

Value: 1.90%

Peer Median: 1.27%

#409 of 2664 Top 15.3% in $100M-$1B

Top Weaknesses (8 metrics)

2635

Total Assets

size

Value: $103.05M

Peer Median: $386.08M

#2635 of 2664 Bottom 1.1% in $100M-$1B

2579

Tier 1 Capital Ratio

capital

Value: 9.38%

Peer Median: 15.83%

#2579 of 2664 Bottom 3.2% in $100M-$1B

2568

Total Deposits

size

Value: $93.00M

Peer Median: $327.97M

#2568 of 2664 Bottom 3.6% in $100M-$1B

2377

Nonperforming Asset Ratio

credit_quality

Value: 1.57%

Peer Median: 0.64%

#2377 of 2664 Bottom 10.8% in $100M-$1B

2305

Total Loans

size

Value: $85.22M

Peer Median: $255.72M

#2305 of 2664 Bottom 13.5% in $100M-$1B

2296

Delinquency Rate

credit_quality

Value: 1.90%

Peer Median: 0.89%

#2296 of 2654 Bottom 13.5% in $100M-$1B

2303

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2303 of 2664 Bottom 13.6% in $100M-$1B

2095

Loan-to-Deposit Ratio

liquidity

Value: 91.63%

Peer Median: 76.64%

#2095 of 2664 Bottom 21.4% in $100M-$1B