BlastPoint's Banking Scorecard

HomePride Bank

$100M-$1B Specialty: Mortgage MO FDIC cert 11466

Mansfield, MO

5 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

HomePride Bank has 2 strengths but faces 5 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

+ Net Interest Margin 0.36% above tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 13.8% in tier
- Flatlined Growth: Bottom 19.0% in tier
- Efficiency Drag: Bottom 20.0% in tier
- Credit Quality Pressure: Bottom 21.0% in tier
- ROA 0.64% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$125.5M +0.4% YoY +0.9% QoQ	-$260.6M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 7.7% in tier
Total Loans ?	$94.3M -2.3% YoY -0.3% QoQ	-$161.4M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$112.4M +3.5% YoY +1.8% QoQ	-$215.5M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 9.6% in tier
Return on Assets ?	0.63% -19.9% YoY -28.2% QoQ	-0.64%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	4.29% +5.9% YoY -0.9% QoQ	+0.36%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	83.99% +3.3% YoY +5.1% QoQ	+18.71%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Bottom 11.1% in tier
Delinquency Rate ?	0.39% +12.6% YoY -4.7% QoQ	-0.50%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	83.84% -5.6% YoY -2.1% QoQ	+7.20%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	27.97% -5.5% YoY +2.7% QoQ	+5.95%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.29% +9.6% YoY -5.8% QoQ	-0.35%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	10.24% +3.4% YoY -0.2% QoQ	-5.59%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 12.8% in tier
Non-Interest Income / Assets ?	0.10% +7.1% YoY -80.4% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	53%

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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 (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk

#93 of 666 • Bottom 13.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.24%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#98 of 512 • Bottom 19.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.63%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#84 of 414 • Bottom 20.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.99%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Credit Quality Pressure

risk

#276 of 1308 • Bottom 21.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.39%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

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 (1 metrics)

637

Non-Interest-Bearing Deposit Share

funding

Value: 27.97%

Peer Median: 22.02%

#637 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (6 metrics)

2461

Total Assets

size

Value: $125.53M

Peer Median: $386.08M

#2461 of 2664 Bottom 7.7% in $100M-$1B

2410

Total Deposits

size

Value: $112.45M

Peer Median: $327.97M

#2410 of 2664 Bottom 9.6% in $100M-$1B

2370

Efficiency Ratio

profitability

Value: 83.99%

Peer Median: 65.29%

#2370 of 2664 Bottom 11.1% in $100M-$1B

2323

Tier 1 Capital Ratio

capital

Value: 10.24%

Peer Median: 15.83%

#2323 of 2664 Bottom 12.8% in $100M-$1B

2206

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.27%

#2206 of 2664 Bottom 17.2% in $100M-$1B

2196

Total Loans

size

Value: $94.27M

Peer Median: $255.72M

#2196 of 2664 Bottom 17.6% in $100M-$1B