BlastPoint's Banking Scorecard
HomeTown Bank
Carver, MN
11 branches across MN
HomeTown Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency Ratio 6.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$673.1M
+10.8% YoY
+1.5% QoQ
|
+$287.0M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Top 13.9% in tier |
| Total Loans ? |
$491.2M
+26.8% YoY
+10.3% QoQ
|
+$235.4M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 11.9% in tier |
| Total Deposits ? |
$602.9M
+9.2% YoY
+2.9% QoQ
|
+$274.9M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Top 12.2% in tier |
| Return on Assets ? |
0.73%
+10.2% YoY
-9.4% QoQ
|
-0.54% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
4.23%
+16.2% YoY
+10.9% QoQ
|
+0.30% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
71.62%
-4.6% YoY
+0.8% QoQ
|
+6.33% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
0.45%
-44.3% YoY
-25.7% QoQ
|
-0.44% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
81.47%
+16.1% YoY
+7.2% QoQ
|
+4.83% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
22.43%
-0.7% YoY
-0.8% QoQ
|
+0.41% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.33%
-36.3% YoY
-19.3% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
10.82%
-11.9% YoY
-5.9% QoQ
|
-5.01% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.12%
+23.7% YoY
-75.3% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
62% |
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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.