BlastPoint's Banking Scorecard

Home Savings Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 28246

Designations: ✓ Mutual

Chanute, KS

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 117 in KS.
Deposits +8.7% year over year ($90.5M on the books).
Delinquency rate 0.12%.
Return on assets 1.00%.
Efficiency ratio 67.33% vs a 64.48% peer average.
Loan-to-deposit ratio 79.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Home Savings Bank has 2 strengths but faces 4 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

+ Net Interest Margin 0.09% above tier average
+ Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 9.6% in tier
- Non-Interest-Bearing Deposit Share 12.98% below tier average
- ROA 0.32% below tier average
- Efficiency Ratio 2.85% above tier average

Get updates when Home Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$115.1M +4.6% YoY +1.6% QoQ	-$271.5M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 4.2% in tier
Total Loans ?	$71.7M -3.0% YoY -2.1% QoQ	-$186.6M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Bottom 7.5% in tier
Total Deposits ?	$90.5M +8.7% YoY +1.9% QoQ	-$236.2M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Bottom 2.6% in tier
Return on Assets ?	1.00% +19.6% YoY +2.3% QoQ	-0.32%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	4.07% +6.3% YoY +0.5% QoQ	+0.09%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	67.33% -2.7% YoY -0.1% QoQ	+2.85%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.12% -0.4% YoY +7.3% QoQ	-0.80%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	79.26% -10.8% YoY -4.0% QoQ	+1.31%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	51%
Non-Interest-Bearing Deposit Share ?	9.05% +17.5% YoY +0.7% QoQ	-12.98%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 8.7% in tier
Nonperforming Asset Ratio ?	0.07% -7.7% YoY +3.4% QoQ	-0.60%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	29.28% +13.7% YoY +4.9% QoQ	+13.37%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Top 4.4% in tier
Non-Interest Income / Assets ?	0.08% +17.3% YoY +103.2% QoQ	-0.48%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Bottom 14.2% in tier

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 (KS)	National Avg	Tier Percentile
Noninterest-Bearing	9.1% +1.3pp YoY +0.1pp QoQ	-13.1pp	22.1%	22.3%	22.2%	8%
Brokered Deposits	4.6% -10.5pp YoY -2.3pp QoQ	-3.3pp	7.9%	8.7%	8.5%	49%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	7.8% -0.4pp YoY +1.6pp QoQ	-3.8pp	11.6%	12.6%	12.5%	38%
CRE	8.4% +0.4pp YoY -0.3pp QoQ	-31.2pp	39.5%	28.8%	41.4%	3%
1-4 Family	54.1% -0.8pp YoY -0.2pp QoQ	+21.5pp	32.6%	26.7%	31.3%	86%
Consumer	4.6% -0.5pp YoY +0.1pp QoQ	+0.5pp	4.1%	4.6%	5.0%	75%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	29.3% +3.5pp YoY +1.4pp QoQ	+10.5pp	18.8%	23.3%	19.7%	93%
Leverage Ratio	16.7% +0.6pp YoY 0.0pp QoQ	+4.6pp	12.2%	12.6%	12.6%	93%
Total Capital Ratio	30.5% +3.5pp YoY +1.4pp QoQ	+10.6pp	19.9%	24.4%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	15 +1 (+7.1%) YoY -1 (-6.2%) QoQ	-44	58	70	482	4%
Assets per Employee ($)	$7.7M -2.3% YoY +8.3% QoQ	+$154K	$7.5M	$7.1M	$8.8M	63%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	20%
Allowance Coverage	12.30x +9.2% YoY -4.3% QoQ	-11.86x	24.15x	22.44x	20.23x	84%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	5.9% +0.8pp YoY +0.1pp QoQ	-6.3pp	12.2%	14.3%	11.6%	16%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.6%	1.7%	57%
Net Income ($, YTD)	$568,000 +24.8% YoY — QoQ	-$2.0M	$2.6M	$3.7M	$40.4M	12%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#72 of 742 • Bottom 9.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 29.28%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 79.26%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

116

Tier 1 Capital Ratio

capital

Value: 29.28%

Peer Median: 15.91%

#116 of 2643 Top 4.4% in $100M-$1B

660

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#660 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (5 metrics)

2575

Total Deposits

size

Value: $90.50M

Peer Median: $326.73M

#2575 of 2643 Bottom 2.6% in $100M-$1B

2533

Total Assets

size

Value: $115.08M

Peer Median: $386.57M

#2533 of 2643 Bottom 4.2% in $100M-$1B

2446

Total Loans

size

Value: $71.73M

Peer Median: $258.35M

#2446 of 2643 Bottom 7.5% in $100M-$1B

2413

Non-Interest-Bearing Deposit Share

funding

Value: 9.05%

Peer Median: 22.03%

#2413 of 2643 Bottom 8.7% in $100M-$1B

2270

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2270 of 2643 Bottom 14.2% in $100M-$1B