BlastPoint's Banking Scorecard
HomeBank
Palmyra, MO
9 branches across MO · 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 140 in MO.
- Deposits +10.8% year over year ($604.3M on the books).
- Delinquency rate 0.30%.
- Return on assets 2.12%.
- Efficiency ratio 55.35% vs a 64.48% peer average.
- Loan-to-deposit ratio 102.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
HomeBank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.80% above tier average
- + Net Interest Margin 0.75% above tier average
- + Efficiency Ratio 9.13% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.50% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$733.3M
+12.2% YoY
+0.8% QoQ
|
+$346.7M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Top 11.0% in tier |
| Total Loans ? |
$619.1M
+15.0% YoY
+1.5% QoQ
|
+$360.7M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Top 5.2% in tier |
| Total Deposits ? |
$604.3M
+10.8% YoY
+0.9% QoQ
|
+$277.5M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Top 11.8% in tier |
| Return on Assets ? |
2.12%
+7.5% YoY
+7.9% QoQ
|
+0.80% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 10.7% in tier |
| Net Interest Margin ? |
4.73%
+3.2% YoY
+0.8% QoQ
|
+0.75% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 13.2% in tier |
| Efficiency Ratio ? |
55.35%
-4.7% YoY
-2.2% QoQ
|
-9.13% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.30%
-58.3% YoY
-45.9% QoQ
|
-0.62% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
102.45%
+3.8% YoY
+0.6% QoQ
|
+24.50% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.90%
-5.4% YoY
-8.5% QoQ
|
-2.13% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.25%
-57.3% YoY
-45.5% QoQ
|
-0.42% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
9.61%
-1.6% YoY
-0.4% QoQ
|
-6.30% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.0% in tier |
| Non-Interest Income / Assets ? |
0.31%
+6.2% YoY
+143.8% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
73% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.9%
-1.1pp YoY -1.8pp QoQ |
-2.3pp | 22.1% | 20.9% | 22.2% | 45% |
| Brokered Deposits |
0.2%
+0.1pp YoY 0.0pp QoQ |
-7.7pp | 7.9% | 7.4% | 8.5% | 8% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.4%
-0.5pp YoY -0.9pp QoQ |
+6.9pp | 11.6% | 12.3% | 12.5% | 85% |
| CRE |
28.0%
+2.7pp YoY +0.1pp QoQ |
-11.5pp | 39.5% | 36.8% | 41.4% | 31% |
| 1-4 Family |
13.6%
-1.2pp YoY +0.2pp QoQ |
-19.1pp | 32.6% | 31.9% | 31.3% | 17% |
| Consumer |
1.6%
-0.1pp YoY +0.1pp QoQ |
-2.5pp | 4.1% | 4.1% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
9.6%
-0.2pp YoY 0.0pp QoQ |
-2.6pp | 12.2% | 11.6% | 12.6% | 24% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
129
+3 (+2.4%) YoY -2 (-1.5%) QoQ |
+70 | 58 | 162 | 482 | 95% |
| Assets per Employee ($) |
$5.7M
+9.6% YoY +2.4% QoQ |
-$1.8M | $7.5M | $8.0M | $8.8M | 27% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 10 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 26% |
| Nonaccrual |
0.3%
-0.4pp YoY -0.3pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 36% |
| Allowance Coverage |
3.42x
+139.2% YoY +86.1% QoQ |
-20.74x | 24.15x | 10.47x | 20.23x | 62% |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.1% | 0.3% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.9%
+1.5pp YoY +1.5pp QoQ |
+10.7pp | 12.2% | 14.3% | 11.6% | 94% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY +0.1pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 68% |
| Net Income ($, YTD) |
$7.7M
+18.9% YoY — QoQ |
+$5.1M | $2.6M | $11.3M | $40.4M | 97% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.