BlastPoint's Banking Scorecard

HomeTown Bank

$100M-$1B Specialty: Commercial MN FDIC cert 31028

Carver, MN

11 branches across MN

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 151 in MN.
Deposits +9.5% year over year ($617.5M on the books).
Delinquency rate 0.37%.
Return on assets 0.85%.
Efficiency ratio 70.18% vs a 64.48% peer average.
Loan-to-deposit ratio 82.45% 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 151 in MN

View $100M-$1B leaderboard (MN) →

HomeTown Bank has 2 strengths but faces 3 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 0.27% above tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.2% in tier
- ROA 0.47% below tier average
- Efficiency Ratio 5.70% above tier average

Get updates when HomeTown Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$691.9M +10.2% YoY +2.8% QoQ	+$305.3M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Top 12.7% in tier
Total Loans ?	$509.1M +23.5% YoY +3.7% QoQ	+$250.8M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Top 10.7% in tier
Total Deposits ?	$617.5M +9.5% YoY +2.4% QoQ	+$290.8M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Top 11.0% in tier
Return on Assets ?	0.85% +1.5% YoY +16.7% QoQ	-0.47%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	26%
Net Interest Margin ?	4.25% +15.3% YoY +0.6% QoQ	+0.27%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	70.18% -2.2% YoY -2.0% QoQ	+5.70%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	0.37% +14.4% YoY -16.4% QoQ	-0.55%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	82.45% +12.8% YoY +1.2% QoQ	+4.50%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	44%
Non-Interest-Bearing Deposit Share ?	21.31% -11.1% YoY -5.0% QoQ	-0.72%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	51%
Nonperforming Asset Ratio ?	0.27% +28.3% YoY -15.7% QoQ	-0.39%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	53%
Tier 1 Capital Ratio ?	10.75% -8.0% YoY -0.6% QoQ	-5.16%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.29% +14.8% YoY +143.0% QoQ	-0.28%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	70%

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 (MN)	National Avg	Tier Percentile
Noninterest-Bearing	21.3% -2.7pp YoY -1.1pp QoQ	-0.8pp	22.1%	21.9%	22.2%	51%
Brokered Deposits	2.6% 0.0pp YoY 0.0pp QoQ	-5.2pp	7.9%	8.3%	8.5%	36%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	24.5% +2.2pp YoY +1.1pp QoQ	+13.0pp	11.6%	14.6%	12.5%	93%
CRE	28.3% +1.0pp YoY -0.7pp QoQ	-11.3pp	39.5%	36.5%	41.4%	32%
1-4 Family	34.7% -1.4pp YoY -0.1pp QoQ	+2.1pp	32.6%	29.4%	31.3%	61%
Consumer	2.4% -1.2pp YoY -0.1pp QoQ	-1.8pp	4.1%	4.5%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	10.8% -0.9pp YoY -0.1pp QoQ	-8.1pp	18.8%	16.5%	19.7%	6%
Leverage Ratio	8.3% +0.1pp YoY +0.1pp QoQ	-3.9pp	12.2%	11.0%	12.6%	4%
Total Capital Ratio	12.0% -0.9pp YoY -0.1pp QoQ	-7.9pp	19.9%	17.6%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	142 +12 (+9.2%) YoY +4 (+2.9%) QoQ	+83	58	55	482	96%
Assets per Employee ($)	$4.9M +0.9% YoY -0.1% QoQ	-$2.6M	$7.5M	$8.6M	$8.8M	12%
Branch Count	11 0 YoY 0 QoQ	+6	4	4	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	10%
Nonaccrual	0.4% +0.1pp YoY -0.1pp QoQ	-0.6pp	0.9%	1.0%	1.0%	44%
Allowance Coverage	3.39x -20.8% YoY +18.2% QoQ	-20.76x	24.15x	20.41x	20.23x	62%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	26%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	11.1% -0.7pp YoY +1.5pp QoQ	-1.1pp	12.2%	13.1%	11.6%	43%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.7%	1.7%	27%
Net Income ($, YTD)	$2.9M +12.1% YoY — QoQ	+$317K	$2.6M	$4.5M	$40.4M	68%

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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)

Credit Quality Pressure

risk

#255 of 1256 • Bottom 20.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 (3 metrics)

283

Total Loans

size

Value: $509.12M

Peer Median: $258.35M

#283 of 2643 Top 10.7% in $100M-$1B

293

Total Deposits

size

Value: $617.51M

Peer Median: $326.73M

#293 of 2643 Top 11.0% in $100M-$1B

337

Total Assets

size

Value: $691.87M

Peer Median: $386.57M

#337 of 2643 Top 12.7% in $100M-$1B

Top Weaknesses (1 metrics)

2123

Tier 1 Capital Ratio

capital

Value: 10.75%

Peer Median: 15.91%

#2123 of 2643 Bottom 19.7% in $100M-$1B