BlastPoint's Banking Scorecard
Home Savings Bank
Salt Lake City, UT
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 13 in UT.
- Deposits -11.3% year over year ($76.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.89%.
- Efficiency ratio 67.15% vs a 64.48% peer average.
- Loan-to-deposit ratio 121.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Home Savings Bank has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39.5% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 6.5% in tier
- - Deposit Outflow: Bottom 17.8% in tier
- - Liquidity Strain: Bottom 35.2% in tier
- - Capital Constraint: Bottom 79.4% in tier
- - Non-Interest-Bearing Deposit Share 22.03% below tier average
- - Non-Interest Income / Assets 0.54% below tier average
- - Net Interest Margin 0.08% below tier average
- - Efficiency Ratio 2.67% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.8M
-4.8% YoY
-2.4% QoQ
|
-$277.8M |
$386.6M
+1.2% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.3% in tier |
| Total Loans ? |
$92.5M
-3.7% YoY
+4.4% QoQ
|
-$165.8M |
$258.3M
+1.7% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$76.4M
-11.3% YoY
-14.2% QoQ
|
-$250.3M |
$326.7M
+0.7% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.8% in tier |
| Return on Assets ? |
0.89%
-20.5% YoY
-7.0% QoQ
|
-0.43% |
1.32%
+10.8% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
3.91%
+3.3% YoY
+1.6% QoQ
|
-0.08% |
3.99%
+5.0% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
67.15%
+1.2% YoY
-0.1% QoQ
|
+2.67% |
64.48%
-3.2% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
121.12%
+8.6% YoY
+21.7% QoQ
|
+43.17% |
77.95%
+1.0% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 1.2% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.03% |
22.03%
-0.6% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 0.5% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.73%
-4.2% YoY
+9.7% QoQ
|
-0.18% |
15.91%
+1.4% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.02%
-16.7% YoY
+114.1% QoQ
|
-0.54% |
0.57%
+7.6% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 1.6% in tier |
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 (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing | n/a | n/a | 22.1% | 20.1% | 22.2% | n/a |
| Brokered Deposits |
10.4%
-8.3pp YoY -4.2pp QoQ |
+2.6pp | 7.9% | 28.6% | 8.5% | 76% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 25.0% | 12.5% | n/a |
| CRE |
68.5%
+7.1pp YoY +3.9pp QoQ |
+29.0pp | 39.5% | 44.1% | 41.4% | 92% |
| 1-4 Family |
32.6%
-7.0pp YoY -3.9pp QoQ |
0.0pp | 32.6% | 13.8% | 31.3% | 57% |
| Consumer | n/a | n/a | 4.1% | 45.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 25.0% | 19.7% | n/a |
| Leverage Ratio |
15.7%
-0.7pp YoY +1.4pp QoQ |
+3.6pp | 12.2% | 15.7% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-50 | 58 | 1,029 | 482 | 0% |
| Assets per Employee ($) |
$12.1M
-4.8% YoY -2.4% QoQ |
+$4.6M | $7.5M | $39.6M | $8.8M | 93% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.2% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 7.86x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 3.6% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
-1.4pp YoY -0.5pp QoQ |
-6.3pp | 12.2% | 15.9% | 11.6% | 16% |
| Cost of Funds (YTD) |
3.3%
0.0pp YoY -0.1pp QoQ |
+1.6pp | 1.7% | 2.3% | 1.7% | 99% |
| Net Income ($, YTD) |
$495,000
-23.8% YoY — QoQ |
-$2.1M | $2.6M | $307.8M | $40.4M | 11% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.