BlastPoint's Banking Scorecard

Home State Bank, National Association

$100M-$1B Specialty: Commercial IL FDIC cert 12815

Crystal Lake, IL

7 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Home State Bank, National Association has 4 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

+ Credit Quality Leader: Top 7.8% in tier
+ Revenue Diversifier: Top 41.4% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 3.2% in tier
- Credit Quality Pressure: Bottom 4.0% in tier
- Efficiency Ratio 2.83% above tier average

Get updates when Home State Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$778.1M +4.2% YoY +1.3% QoQ	+$392.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 9.3% in tier
Total Loans ?	$492.7M +2.9% YoY +0.2% QoQ	+$237.0M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 11.7% in tier
Total Deposits ?	$687.5M +3.4% YoY +1.5% QoQ	+$359.5M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 7.6% in tier
Return on Assets ?	1.47% +64.6% YoY +22.2% QoQ	+0.20%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	3.99% +14.1% YoY +4.5% QoQ	+0.06%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	68.11% -12.9% YoY -5.5% QoQ	+2.83%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	0.08% +0.6% YoY +63.6% QoQ	-0.80%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	71.67% -0.5% YoY -1.2% QoQ	-4.97%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	30.56% +0.4% YoY -0.6% QoQ	+8.54%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.05% -0.7% YoY +61.9% QoQ	-0.58%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	18.71% -1.8% YoY +1.3% QoQ	+2.88%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.25% +21.2% YoY -75.5% QoQ	-0.03%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 9.2% 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 (2)

Credit Quality Leader

growth

#53 of 664 • Top 7.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#277 of 666 • Top 41.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.25%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.47%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#32 of 973 • Bottom 3.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#54 of 1308 • Bottom 4.0% in tier

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

Why this signature

Delinquency Rate: 0.08%

(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 (8 metrics)

203

Total Deposits

size

Value: $687.49M

Peer Median: $327.97M

#203 of 2664 Top 7.6% in $100M-$1B

245

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#245 of 2664 Top 9.2% in $100M-$1B

249

Total Assets

size

Value: $778.10M

Peer Median: $386.08M

#249 of 2664 Top 9.3% in $100M-$1B

314

Total Loans

size

Value: $492.72M

Peer Median: $255.72M

#314 of 2664 Top 11.7% in $100M-$1B

442

Tier 1 Capital Ratio

capital

Value: 18.71%

Peer Median: 15.83%

#442 of 2664 Top 16.6% in $100M-$1B

445

Non-Interest-Bearing Deposit Share

funding

Value: 30.56%

Peer Median: 22.02%

#445 of 2664 Top 16.7% in $100M-$1B

606

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#606 of 2664 Top 22.7% in $100M-$1B

653

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#653 of 2654 Top 24.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available