BlastPoint's Banking Scorecard
Home Savings and Loan Association of Carroll County, F.A.
Norborne, MO
2 branches across MO
Home Savings and Loan Association of Carroll County, F.A. has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 24.5% in tier
- - Non-Interest-Bearing Deposit Share 19.99% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.52% below tier average
- - Net Interest Margin 0.48% below tier average
- - Efficiency Ratio 5.96% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$133.1M
+4.1% YoY
+2.2% QoQ
|
-$253.0M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.2% in tier |
| Total Loans ? |
$87.0M
+3.3% YoY
+0.4% QoQ
|
-$168.7M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.4% in tier |
| Total Deposits ? |
$113.8M
+5.9% YoY
+2.4% QoQ
|
-$214.2M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.1% in tier |
| Return on Assets ? |
0.75%
+21.0% YoY
+11.1% QoQ
|
-0.52% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.45%
+34.5% YoY
+15.4% QoQ
|
-0.48% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
71.25%
-6.8% YoY
+3.1% QoQ
|
+5.96% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
0.76%
-21.8% YoY
-28.1% QoQ
|
-0.13% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
76.43%
-2.4% YoY
-1.9% QoQ
|
-0.21% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
2.03%
+17.9% YoY
-9.9% QoQ
|
-19.99% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.5% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-22.4% YoY
-29.4% QoQ
|
-0.14% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
23.56%
-2.0% YoY
-0.9% QoQ
|
+7.73% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Top 7.9% in tier |
| Non-Interest Income / Assets ? |
0.03%
-33.9% YoY
-80.4% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.8% in tier |
Get Full Access to Home Savings and Loan Association of Carroll County, F.A.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.