BlastPoint's Banking Scorecard

Home State Bank, National Association

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

Crystal Lake, IL

7 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +1.1% year over year ($686.6M on the books).
Delinquency rate 0.08%.
Return on assets 1.52%.
Efficiency ratio 67.99% vs a 64.48% peer average.
Loan-to-deposit ratio 74.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Home State Bank, National Association has 4 strengths but faces 1 concern

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 8.8% in tier
+ Revenue Diversifier: Top 39.5% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 3.51% above tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$776.0M +2.0% YoY -0.3% QoQ	+$389.4M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 9.1% in tier
Total Loans ?	$511.3M +4.7% YoY +3.8% QoQ	+$253.0M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 10.4% in tier
Total Deposits ?	$686.6M +1.1% YoY -0.1% QoQ	+$359.8M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 7.6% in tier
Return on Assets ?	1.52% +46.1% YoY +3.2% QoQ	+0.20%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	66%
Net Interest Margin ?	4.10% +13.3% YoY +2.7% QoQ	+0.12%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	67.99% -10.4% YoY -0.2% QoQ	+3.51%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	0.08% -7.8% YoY -10.1% QoQ	-0.84%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	74.48% +3.5% YoY +3.9% QoQ	-3.47%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	29.87% -0.4% YoY -2.2% QoQ	+7.84%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	82%
Nonperforming Asset Ratio ?	0.05% -5.4% YoY -6.5% QoQ	-0.62%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	17.60% -3.8% YoY -5.9% QoQ	+1.69%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.53% +12.2% YoY +110.5% QoQ	-0.04%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 8.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	29.9% -0.1pp YoY -0.7pp QoQ	+7.7pp	22.1%	20.1%	22.2%	82%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	5.8% -0.5pp YoY 0.0pp QoQ	-5.8pp	11.6%	14.7%	12.5%	25%
CRE	54.8% +1.4pp YoY +0.3pp QoQ	+15.3pp	39.5%	37.9%	41.4%	78%
1-4 Family	40.3% -0.7pp YoY -0.3pp QoQ	+7.7pp	32.6%	28.3%	31.3%	70%
Consumer	0.3% -0.1pp YoY 0.0pp QoQ	-3.8pp	4.1%	5.4%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	17.6% -0.7pp YoY -1.1pp QoQ	-1.2pp	18.8%	19.9%	19.7%	67%
Leverage Ratio	11.8% +0.1pp YoY -0.4pp QoQ	-0.4pp	12.2%	12.2%	12.6%	62%
Total Capital Ratio	18.8% -0.6pp YoY -1.1pp QoQ	-1.1pp	19.9%	20.9%	20.8%	68%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	130 -4 (-3.0%) YoY +1 (+0.8%) QoQ	+71	58	228	482	95%
Assets per Employee ($)	$6.0M +5.1% YoY -1.0% QoQ	-$1.5M	$7.5M	$8.3M	$8.8M	33%
Branch Count	7 0 YoY 0 QoQ	+2	4	10	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.4%	0.4%	12%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.1%	1.0%	15%
Allowance Coverage	16.52x +18.6% YoY +9.0% QoQ	-7.63x	24.15x	5.62x	20.23x	87%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	14.3% +3.8pp YoY +0.5pp QoQ	+2.1pp	12.2%	10.5%	11.6%	64%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.6%	1.7%	20%
Net Income ($, YTD)	$5.9M +51.1% YoY — QoQ	+$3.3M	$2.6M	$11.7M	$40.4M	91%

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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

#59 of 659 • Top 8.8% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#262 of 661 • Top 39.5% 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: 0.53%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.52%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (8 metrics)

203

Total Deposits

size

Value: $686.57M

Peer Median: $326.73M

#203 of 2643 Top 7.6% in $100M-$1B

232

Non-Interest Income / Assets

revenue_mix

Value: 0.53%

Peer Median: 0.57%

#232 of 2643 Top 8.7% in $100M-$1B

241

Total Assets

size

Value: $775.95M

Peer Median: $386.57M

#241 of 2643 Top 9.1% in $100M-$1B

277

Total Loans

size

Value: $511.34M

Peer Median: $258.35M

#277 of 2643 Top 10.4% in $100M-$1B

487

Non-Interest-Bearing Deposit Share

funding

Value: 29.87%

Peer Median: 22.03%

#487 of 2643 Top 18.4% in $100M-$1B

542

Tier 1 Capital Ratio

capital

Value: 17.60%

Peer Median: 15.91%

#542 of 2643 Top 20.5% in $100M-$1B

570

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#570 of 2643 Top 21.5% in $100M-$1B

620

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.92%

#620 of 2633 Top 23.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available