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Home Bank and Trust Company

$100M-$1B Specialty: Commercial KS FDIC cert 4664

Eureka, KS

6 branches across 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 +5.9% year over year ($166.8M on the books).
  • Delinquency rate 0.64%.
  • Return on assets 2.17%.
  • Efficiency ratio 51.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.54% 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 Bank and Trust Company has 5 strengths but faces 1 concern

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

  • + Profitability Leader: Top 10.7% in tier
  • + Revenue Diversifier: Top 41.9% in tier
  • + Net Interest Margin 0.45% above tier average
  • + Efficiency Ratio 12.80% below tier average
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 40.1% in tier
Get updates when Home Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $183.3M
+6.2% YoY +1.5% QoQ
-$203.2M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $152.7M
+9.0% YoY +5.3% QoQ
-$105.6M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $166.8M
+5.9% YoY +1.3% QoQ
-$159.9M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 2.17%
+43.1% YoY -1.6% QoQ
+0.85% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 9.4% in tier
Net Interest Margin ? 4.43%
+14.6% YoY +0.1% QoQ
+0.45% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 51.68%
-16.7% YoY -0.5% QoQ
-12.80% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.64%
+203.1% YoY
-0.28% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 91.54%
+2.9% YoY +3.9% QoQ
+13.59% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 21.60%
+16.9% YoY -5.9% QoQ
-0.43% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 0.54%
+210.9% YoY
-0.13% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 11.11%
+3.5% YoY +0.6% QoQ
-4.80% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.34%
+17.7% YoY +116.3% QoQ
-0.22% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
79%

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 21.6%
+3.1pp YoY
-1.4pp QoQ
 -0.6pp 22.1% 22.3% 22.2% 52%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 16.6%
+3.9pp YoY
+3.7pp QoQ
 +5.1pp 11.6% 12.6% 12.5% 81%
CRE n/a n/a 39.5% 28.8% 41.4% n/a
1-4 Family 54.1%
-1.7pp YoY
-1.0pp QoQ
 +21.5pp 32.6% 26.7% 31.3% 86%
Consumer 3.8%
+0.9pp YoY
+0.1pp QoQ
 -0.3pp 4.1% 4.6% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 11.1%
+0.4pp YoY
+0.1pp QoQ
 -7.7pp 18.8% 23.3% 19.7% 9%
Leverage Ratio 8.3%
+0.3pp YoY
+0.3pp QoQ
 -3.9pp 12.2% 12.6% 12.6% 4%
Total Capital Ratio 12.4%
+0.4pp YoY
+0.2pp QoQ
 -7.6pp 19.9% 24.4% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 30
-1 (-3.2%) YoY
-1 (-3.2%) QoQ
 -29 58 70 482 26%
Assets per Employee ($) $6.1M
+9.8% YoY
+4.9% QoQ
 -$1.4M $7.5M $7.1M $8.8M 36%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

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 0.6%
+0.4pp YoY
+0.6pp QoQ
 -0.3pp 0.9% 0.8% 1.0% 60%
Allowance Coverage 1.80x
-67.5% YoY
-97.5% QoQ
 -22.35x 24.15x 22.44x 20.23x 44%
Net Charge-off Rate (YTD) -0.2%
-0.2pp YoY
 -0.4pp 0.1% 0.1% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 26.8%
+7.3pp YoY
-0.9pp QoQ
 +14.6pp 12.2% 14.3% 11.6% 97%
Cost of Funds (YTD) 2.0%
-0.4pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 70%
Net Income ($, YTD) $2.0M
+52.5% YoY
— QoQ
 -$567K $2.6M $3.7M $40.4M 52%

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 (2)

Profitability Leader

growth
#72 of 661 • Top 10.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.17%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#278 of 661 • Top 41.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.34%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.17%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#278 of 691 • Bottom 40.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.54%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

249
Return on Assets
profitability
Value: 2.17%
Peer Median: 1.32%
#249 of 2643 Top 9.4% in $100M-$1B
536
Efficiency Ratio
profitability
Value: 51.68%
Peer Median: 64.48%
#536 of 2643 Top 20.2% in $100M-$1B
566
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#566 of 2643 Top 21.4% in $100M-$1B
619
Net Interest Margin
profitability
Value: 4.43%
Peer Median: 3.99%
#619 of 2643 Top 23.4% in $100M-$1B

Top Weaknesses (3 metrics)

2054
Total Assets
size
Value: $183.32M
Peer Median: $386.57M
#2054 of 2643 Bottom 22.3% in $100M-$1B
2031
Loan-to-Deposit Ratio
liquidity
Value: 91.54%
Peer Median: 77.95%
#2031 of 2643 Bottom 23.2% in $100M-$1B
1991
Tier 1 Capital Ratio
capital
Value: 11.11%
Peer Median: 15.91%
#1991 of 2643 Bottom 24.7% in $100M-$1B
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