BlastPoint's Banking Scorecard

HomeBank

$100M-$1B Specialty: Agricultural MO FDIC cert 14492

Palmyra, MO

9 branches across MO · IL

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

HomeBank 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

+ ROA 0.70% above tier average
+ Net Interest Margin 0.77% above tier average
+ Efficiency Ratio 8.71% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 25.17% above tier average

Get updates when HomeBank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$727.3M +10.4% YoY +2.2% QoQ	+$341.2M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 11.2% in tier
Total Loans ?	$609.8M +15.1% YoY +5.3% QoQ	+$354.0M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 5.6% in tier
Total Deposits ?	$598.9M +8.9% YoY -0.3% QoQ	+$270.9M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 12.5% in tier
Return on Assets ?	1.97% +4.9% YoY +3.3% QoQ	+0.70%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 13.1% in tier
Net Interest Margin ?	4.70% +4.7% YoY +0.4% QoQ	+0.77%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 13.1% in tier
Efficiency Ratio ?	56.57% -5.2% YoY -1.9% QoQ	-8.71%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.55% -66.6% YoY -9.9% QoQ	-0.34%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	101.81% +5.7% YoY +5.6% QoQ	+25.17%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 7.0% in tier
Non-Interest-Bearing Deposit Share ?	21.74% +1.0% YoY +5.0% QoQ	-0.28%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	0.46% -65.2% YoY -7.1% QoQ	-0.18%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	9.65% +1.0% YoY +0.1% QoQ	-6.18%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 6.0% in tier
Non-Interest Income / Assets ?	0.13% -6.8% YoY -77.6% QoQ	-0.15%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	65%

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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 (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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

151

Total Loans

size

Value: $609.76M

Peer Median: $255.72M

#151 of 2664 Top 5.6% in $100M-$1B

300

Total Assets

size

Value: $727.33M

Peer Median: $386.08M

#300 of 2664 Top 11.2% in $100M-$1B

334

Total Deposits

size

Value: $598.91M

Peer Median: $327.97M

#334 of 2664 Top 12.5% in $100M-$1B

350

Net Interest Margin

profitability

Value: 4.70%

Peer Median: 3.93%

#350 of 2664 Top 13.1% in $100M-$1B

351

Return on Assets

profitability

Value: 1.97%

Peer Median: 1.27%

#351 of 2664 Top 13.1% in $100M-$1B

Top Weaknesses (2 metrics)

2506

Tier 1 Capital Ratio

capital

Value: 9.65%

Peer Median: 15.83%

#2506 of 2664 Bottom 6.0% in $100M-$1B

2479

Loan-to-Deposit Ratio

liquidity

Value: 101.81%

Peer Median: 76.64%

#2479 of 2664 Bottom 7.0% in $100M-$1B