BlastPoint's Banking Scorecard
Home Savings Bank
Designations: ✓ Mutual
Chanute, KS
Home Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.5% in tier
- - Non-Interest-Bearing Deposit Share 13.03% below tier average
- - ROA 0.29% below tier average
- - Efficiency Ratio 2.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.3M
+3.6% YoY
+0.5% QoQ
|
-$272.8M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.9% in tier |
| Total Loans ? |
$73.3M
-2.6% YoY
-1.2% QoQ
|
-$182.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.6% in tier |
| Total Deposits ? |
$88.8M
+3.8% YoY
+0.3% QoQ
|
-$239.2M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.2% in tier |
| Return on Assets ? |
0.98%
+10.3% YoY
-9.8% QoQ
|
-0.29% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
4.05%
+6.8% YoY
+2.3% QoQ
|
+0.12% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
67.38%
-0.7% YoY
+3.9% QoQ
|
+2.09% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.11%
-8.7% YoY
-1.2% QoQ
|
-0.78% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
82.53%
-6.2% YoY
-1.6% QoQ
|
+5.90% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
8.99%
+19.6% YoY
+30.4% QoQ
|
-13.03% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.0% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-14.2% YoY
-3.0% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
27.90%
+11.5% YoY
+1.8% QoQ
|
+12.07% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Top 4.7% in tier |
| Non-Interest Income / Assets ? |
0.04%
-20.4% YoY
-86.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.8% in tier |
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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 (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.