BlastPoint's Banking Scorecard

Home Bank SB

$100M-$1B Specialty: Other IN FDIC cert 29881

Designations: ✓ Mutual

Martinsville, IN

6 branches across IN

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 60 in IN.
Deposits +1.6% year over year ($370.9M on the books).
Delinquency rate 0.87%.
Return on assets 0.65%.
Efficiency ratio 82.49% vs a 64.48% peer average.
Loan-to-deposit ratio 69.63% 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 60 in IN

View $100M-$1B leaderboard (IN) →

Home Bank SB has 1 strength 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

+ Non-Interest Income / Assets 0.06% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 13.2% in tier
- ROA 0.67% below tier average
- Net Interest Margin 0.33% below tier average
- Efficiency Ratio 18.01% above tier average

Get updates when Home Bank SB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$433.1M -0.0% YoY +0.3% QoQ	+$46.6M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$258.3M +1.7% YoY +0.4% QoQ	-$92K	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$370.9M +1.6% YoY +0.5% QoQ	+$44.2M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	0.65% +76.0% YoY +6.4% QoQ	-0.67%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.66% +13.6% YoY +2.2% QoQ	-0.33%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	82.49% -9.6% YoY -1.4% QoQ	+18.01%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	Bottom 11.5% in tier
Delinquency Rate ?	0.87% -2.8% YoY +23.9% QoQ	-0.05%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	69.63% +0.1% YoY -0.1% QoQ	-8.32%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	21.97% -1.6% YoY -7.3% QoQ	-0.06%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.52% -1.0% YoY +24.1% QoQ	-0.15%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	12.46% +4.2% YoY +2.1% QoQ	-3.45%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.51% +5.4% YoY +108.9% QoQ	-0.06%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	Top 9.5% 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 (IN)	National Avg	Tier Percentile
Noninterest-Bearing	22.0% -0.4pp YoY -1.7pp QoQ	-0.2pp	22.1%	16.8%	22.2%	54%
Brokered Deposits	n/a	n/a	7.9%	7.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	2.3% -1.4pp YoY +0.6pp QoQ	-9.3pp	11.6%	11.1%	12.5%	7%
CRE	34.0% -0.6pp YoY +0.8pp QoQ	-5.6pp	39.5%	36.2%	41.4%	42%
1-4 Family	63.0% +2.5pp YoY -0.8pp QoQ	+30.4pp	32.6%	40.0%	31.3%	92%
Consumer	1.1% -0.3pp YoY 0.0pp QoQ	-3.0pp	4.1%	3.2%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.5%	19.7%	n/a
Leverage Ratio	12.5% +0.5pp YoY +0.3pp QoQ	+0.3pp	12.2%	13.0%	12.6%	70%
Total Capital Ratio	n/a	n/a	19.9%	18.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	85 +2 (+2.4%) YoY +3 (+3.7%) QoQ	+26	58	237	482	80%
Assets per Employee ($)	$5.1M -2.4% YoY -3.2% QoQ	-$2.4M	$7.5M	$7.5M	$8.8M	16%
Branch Count	6 0 YoY 0 QoQ	+1	4	17	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	32%
Nonaccrual	0.8% -0.1pp YoY +0.2pp QoQ	-0.1pp	0.9%	0.8%	1.0%	67%
Allowance Coverage	1.30x +3.6% YoY -18.1% QoQ	-22.85x	24.15x	6.71x	20.23x	35%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	7.2% +2.4pp YoY +0.3pp QoQ	-5.0pp	12.2%	11.2%	11.6%	22%
Cost of Funds (YTD)	1.2% -0.3pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.8%	1.7%	21%
Net Income ($, YTD)	$1.4M +79.0% YoY — QoQ	-$1.2M	$2.6M	$16.3M	$40.4M	39%

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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)

Flatlined Growth

risk

#71 of 529 • Bottom 13.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.65%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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 (1 metrics)

251

Non-Interest Income / Assets

revenue_mix

Value: 0.51%

Peer Median: 0.57%

#251 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (2 metrics)

2339

Efficiency Ratio

profitability

Value: 82.49%

Peer Median: 64.48%

#2339 of 2643 Bottom 11.5% in $100M-$1B

2203

Return on Assets

profitability

Value: 0.65%

Peer Median: 1.32%

#2203 of 2643 Bottom 16.7% in $100M-$1B