BlastPoint

BlastPoint's Banking Scorecard

The Hometown Savings Bank

$100M-$1B Specialty: Commercial IN FDIC cert 17736

Terre Haute, IN

8 branches across IN · 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 60 in IN.
  • Deposits -4.6% year over year ($406.3M on the books).
  • Delinquency rate 0.60%.
  • Return on assets 0.22%.
  • Efficiency ratio 92.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.57% 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 60 in IN
View $100M-$1B leaderboard (IN) →

The Hometown Savings Bank has 2 strengths but faces 4 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

  • + Non-Interest Income / Assets 0.05% below tier average
  • + Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 33.3% in tier
  • - Return on Assets 1.11% below tier average
  • - Net Interest Margin 1.03% below tier average
  • - Efficiency Ratio 27.79% above tier average
Get updates when The Hometown Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $455.7M
-4.8% YoY -1.3% QoQ
+$69.1M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $290.8M
+4.1% YoY -0.7% QoQ
+$32.4M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $406.3M
-4.6% YoY -1.7% QoQ
+$79.5M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 0.22%
+253.2% YoY +43.3% QoQ
-1.11% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Bottom 5.8% in tier
Net Interest Margin ? 2.95%
+20.8% YoY +2.4% QoQ
-1.03% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
Bottom 8.6% in tier
Efficiency Ratio ? 92.27%
-13.5% YoY -2.8% QoQ
+27.79% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Bottom 4.5% in tier
Delinquency Rate ? 0.60%
-23.8% YoY +2.3% QoQ
-0.32% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 71.57%
+9.2% YoY +1.0% QoQ
-6.38% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 15.13%
+3.1% YoY -9.7% QoQ
-6.90% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.38%
-16.6% YoY +3.0% QoQ
-0.29% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 12.93%
+1.2% YoY +1.1% QoQ
-2.97% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.51%
+9.2% YoY +105.0% QoQ
-0.05% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
Top 9.2% 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 (IN) National Avg Tier Percentile
Noninterest-Bearing 15.1%
+0.5pp YoY
-1.6pp QoQ
 -7.0pp 22.1% 16.8% 22.2% 25%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 4.4%
-0.9pp YoY
+0.6pp QoQ
 -7.1pp 11.6% 11.1% 12.5% 16%
CRE 36.4%
-1.1pp YoY
-0.6pp QoQ
 -3.1pp 39.5% 36.2% 41.4% 46%
1-4 Family 50.3%
0.0pp YoY
-0.1pp QoQ
 +17.6pp 32.6% 40.0% 31.3% 83%
Consumer 1.2%
-0.2pp YoY
0.0pp QoQ
 -2.9pp 4.1% 3.2% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 12.9%
+0.2pp YoY
+0.1pp QoQ
 -5.9pp 18.8% 17.5% 19.7% 27%
Leverage Ratio 8.3%
+0.2pp YoY
+0.1pp QoQ
 -3.9pp 12.2% 13.0% 12.6% 4%
Total Capital Ratio 14.1%
+0.2pp YoY
+0.2pp QoQ
 -5.8pp 19.9% 18.7% 20.8% 27%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 101
-10 (-9.0%) YoY
+1 (+1.0%) QoQ
 +42 58 237 482 87%
Assets per Employee ($) $4.5M
+4.6% YoY
-2.3% QoQ
 -$3.0M $7.5M $7.5M $8.8M 8%
Branch Count 8
-1 (-11.1%) YoY
-1 (-11.1%) QoQ
 +3 4 17 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 43%
Nonaccrual 0.5%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 54%
Allowance Coverage 1.80x
+29.7% YoY
+0.9% QoQ
 -22.35x 24.15x 6.71x 20.23x 44%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 3.6%
+6.3pp YoY
+1.1pp QoQ
 -8.6pp 12.2% 11.2% 11.6% 10%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 77%
Net Income ($, YTD) $497,000
+248.4% YoY
— QoQ
 -$2.1M $2.6M $16.3M $40.4M 11%

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 (1)

Deposit Outflow

decline
#179 of 535 • Bottom 33.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

244
Non-Interest Income / Assets
revenue_mix
Value: 0.51%
Peer Median: 0.57%
#244 of 2643 Top 9.2% in $100M-$1B

Top Weaknesses (3 metrics)

2526
Efficiency Ratio
profitability
Value: 92.27%
Peer Median: 64.48%
#2526 of 2643 Bottom 4.5% in $100M-$1B
2490
Return on Assets
profitability
Value: 0.22%
Peer Median: 1.32%
#2490 of 2643 Bottom 5.8% in $100M-$1B
2418
Net Interest Margin
profitability
Value: 2.95%
Peer Median: 3.99%
#2418 of 2643 Bottom 8.6% in $100M-$1B
Powered by BlastPoint © 2026