BlastPoint's Banking Scorecard
Home Bank, National Association
Lafayette, LA
44 branches across LA · TX · MS
Home Bank, National Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio 3.15% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+1.9% YoY
+1.8% QoQ
|
+$727.8M |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$2.7B
-0.7% YoY
-0.6% QoQ
|
+$731.2M |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$3.0B
+7.0% YoY
+1.8% QoQ
|
+$689.7M |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
1.38%
+1.7% YoY
-2.5% QoQ
|
+0.01% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
4.36%
+5.9% YoY
+1.9% QoQ
|
+0.54% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
57.91%
+0.2% YoY
-1.0% QoQ
|
-3.15% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
1.33%
+89.4% YoY
+5.4% QoQ
|
+0.44% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
88.89%
-7.2% YoY
-2.3% QoQ
|
+4.69% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
27.57%
+2.5% YoY
+2.6% QoQ
|
+6.28% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.12%
+82.1% YoY
+8.5% QoQ
|
+0.45% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
14.44%
+8.2% YoY
+2.5% QoQ
|
-0.72% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.11%
-5.2% YoY
-75.5% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.