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The Hometown Savings Bank

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

Terre Haute, IN

8 branches across IN · IL

2664 banks in the $100M-$1B peer group nationally 60 in IN
View $100M-$1B leaderboard (IN) →

The Hometown Savings Bank has 1 strength 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

  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 1.12% below tier average
  • - Net Interest Margin 1.05% below tier average
  • - Efficiency Ratio 29.68% above tier average
Get updates when The Hometown Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $461.9M
-1.8% YoY +0.9% QoQ
+$75.8M $386.1M
+0.5% YoY
$2.5B
+12.1% YoY
$6.2B
+9.1% YoY
68%
Total Loans ? $292.9M
+8.5% YoY +1.0% QoQ
+$37.2M $255.7M
+1.1% YoY
$1.7B
+14.1% YoY
$3.2B
+10.8% YoY
67%
Total Deposits ? $413.2M
-1.1% YoY +4.5% QoQ
+$85.2M $328.0M
+0.1% YoY
$2.0B
+11.8% YoY
$4.8B
+8.2% YoY
71%
Return on Assets ? 0.15%
+169.6% YoY +548.9% QoQ
-1.12% 1.27%
+12.9% YoY
0.81%
-6.6% YoY
1.23%
+13.4% YoY
Bottom 5.6% in tier
Net Interest Margin ? 2.88%
+23.8% YoY +9.3% QoQ
-1.05% 3.93%
+6.0% YoY
3.60%
+8.5% YoY
3.89%
+5.7% YoY
Bottom 8.2% in tier
Efficiency Ratio ? 94.97%
-14.0% YoY -5.2% QoQ
+29.68% 65.29%
-4.5% YoY
105.71%
+27.0% YoY
66.95%
-4.1% YoY
Bottom 4.0% in tier
Delinquency Rate ? 0.59%
-11.5% YoY -3.9% QoQ
-0.30% 0.89%
+18.8% YoY
0.90%
+15.9% YoY
0.95%
+18.8% YoY
41%
Loan-to-Deposit Ratio ? 70.88%
+9.7% YoY -3.3% QoQ
-5.76% 76.64%
+0.8% YoY
81.10%
+0.7% YoY
76.70%
+0.9% YoY
65%
Non-Interest-Bearing Deposit Share ? 16.75%
+9.3% YoY +9.3% QoQ
-5.27% 22.02%
-1.0% YoY
17.15%
-0.9% YoY
22.01%
-1.2% YoY
31%
Nonperforming Asset Ratio ? 0.37%
-2.2% YoY -3.8% QoQ
-0.27% 0.64%
+19.7% YoY
0.67%
+21.6% YoY
0.67%
+19.3% YoY
45%
Tier 1 Capital Ratio ? 12.80%
-0.5% YoY -0.3% QoQ
-3.03% 15.83%
+1.5% YoY
16.04%
+1.8% YoY
17.06%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.25%
+5.7% YoY -75.4% QoQ
-0.03% 0.28%
+9.3% YoY
0.79%
-14.5% YoY
0.32%
+4.1% YoY
Top 9.2% in tier

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

246
Non-Interest Income / Assets
revenue_mix
Value: 0.25%
Peer Median: 0.28%
#246 of 2664 Top 9.2% in $100M-$1B

Top Weaknesses (3 metrics)

2559
Efficiency Ratio
profitability
Value: 94.97%
Peer Median: 65.29%
#2559 of 2664 Bottom 4.0% in $100M-$1B
2516
Return on Assets
profitability
Value: 0.15%
Peer Median: 1.27%
#2516 of 2664 Bottom 5.6% in $100M-$1B
2447
Net Interest Margin
profitability
Value: 2.88%
Peer Median: 3.93%
#2447 of 2664 Bottom 8.2% in $100M-$1B
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