BlastPoint's Banking Scorecard

Home Bank and Trust Company

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

Eureka, KS

6 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in 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 8.6% in tier
+ Revenue Diversifier: Top 42.3% in tier
+ Net Interest Margin 0.50% above tier average
+ Efficiency Ratio 13.35% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 41.7% in tier

Get updates when Home Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$180.6M +2.1% YoY -2.3% QoQ	-$205.5M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$145.0M +2.9% YoY +8.9% QoQ	-$110.7M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$164.6M +1.6% YoY -2.7% QoQ	-$163.3M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	2.21% +66.9% YoY +48.1% QoQ	+0.94%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 8.4% in tier
Net Interest Margin ?	4.43% +16.5% YoY +14.6% QoQ	+0.50%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	51.94% -19.0% YoY -17.6% QoQ	-13.35%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.01% -94.6% YoY -37.8% QoQ	-0.87%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 14.8% in tier
Loan-to-Deposit Ratio ?	88.09% +1.3% YoY +11.9% QoQ	+11.45%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	22.95% -5.4% YoY -37.3% QoQ	+0.94%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	59%
Nonperforming Asset Ratio ?	0.01% -94.6% YoY -30.6% QoQ	-0.63%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 14.6% in tier
Tier 1 Capital Ratio ?	11.04% +8.2% YoY -1.7% QoQ	-4.79%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.16% +95.2% YoY -76.5% QoQ	-0.12%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	76%

Get Full Access to Home Bank and Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#58 of 666 • Top 8.6% in tier

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

Why this signature

Return on Assets: 2.21%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#283 of 666 • Top 42.3% 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: 0.16%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.21%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#279 of 666 • Bottom 41.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.04%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

226

Return on Assets

profitability

Value: 2.21%

Peer Median: 1.27%

#226 of 2664 Top 8.4% in $100M-$1B

389

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#389 of 2664 Top 14.6% in $100M-$1B

394

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#394 of 2654 Top 14.8% in $100M-$1B

524

Efficiency Ratio

profitability

Value: 51.94%

Peer Median: 65.29%

#524 of 2664 Top 19.6% in $100M-$1B

553

Net Interest Margin

profitability

Value: 4.43%

Peer Median: 3.93%

#553 of 2664 Top 20.7% in $100M-$1B

632

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#632 of 2664 Top 23.7% in $100M-$1B

Top Weaknesses (3 metrics)

2088

Total Assets

size

Value: $180.62M

Peer Median: $386.08M

#2088 of 2664 Bottom 21.7% in $100M-$1B

2042

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.83%

#2042 of 2664 Bottom 23.4% in $100M-$1B

2002

Total Deposits

size

Value: $164.64M

Peer Median: $327.97M

#2002 of 2664 Bottom 24.9% in $100M-$1B