BlastPoint's Banking Scorecard

Home Savings Bank

$100M-$1B Specialty: Commercial UT FDIC cert 26798

Salt Lake City, UT

2664 banks in the $100M-$1B peer group nationally 12 in UT

Home Savings Bank has 2 strengths but faces 6 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

+ Credit Quality Leader: Top 42.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 3.6% in tier
- Liquidity Strain: Bottom 6.8% in tier
- Non-Interest-Bearing Deposit Share 22.02% below tier average
- Non-Interest Income / Assets 0.27% below tier average
- Net Interest Margin 0.08% below tier average
- Efficiency Ratio 1.91% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$111.4M -3.1% YoY -1.4% QoQ	-$274.7M	$386.1M +0.5% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	Bottom 3.2% in tier
Total Loans ?	$88.6M -9.5% YoY -7.4% QoQ	-$167.1M	$255.7M +1.1% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$89.0M +1.2% YoY -0.9% QoQ	-$238.9M	$328.0M +0.1% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	Bottom 2.3% in tier
Return on Assets ?	0.96% -30.5% YoY +10.4% QoQ	-0.31%	1.27% +12.9% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	3.85% -3.1% YoY +2.3% QoQ	-0.08%	3.93% +6.0% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	67.20% +4.3% YoY -3.6% QoQ	+1.91%	65.29% -4.5% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	99.54% -10.6% YoY -6.6% QoQ	+22.90%	76.64% +0.8% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Bottom 9.0% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-22.02%	22.02% -1.0% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.34% -8.3% YoY -8.0% QoQ	-1.49%	15.83% +1.5% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.01% -18.9% YoY -77.2% QoQ	-0.27%	0.28% +9.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Bottom 1.7% in tier

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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 (1)

Credit Quality Leader

growth

#285 of 664 • Top 42.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Margin Compression

decline

#12 of 305 • Bottom 3.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.96%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#45 of 643 • Bottom 6.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.54%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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).

Compare against:

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

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2652

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 22.02%

#2652 of 2664 Bottom 0.5% in $100M-$1B

2621

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2621 of 2664 Bottom 1.7% in $100M-$1B

2604

Total Deposits

size

Value: $89.03M

Peer Median: $327.97M

#2604 of 2664 Bottom 2.3% in $100M-$1B

2580

Total Assets

size

Value: $111.40M

Peer Median: $386.08M

#2580 of 2664 Bottom 3.2% in $100M-$1B

2425

Loan-to-Deposit Ratio

liquidity

Value: 99.54%

Peer Median: 76.64%

#2425 of 2664 Bottom 9.0% in $100M-$1B

2265

Total Loans

size

Value: $88.62M

Peer Median: $255.72M

#2265 of 2664 Bottom 15.0% in $100M-$1B