BlastPoint's Banking Scorecard
Home National Bank
Designations: ✓ Community bank
Racine, OH
4 branches across OH · WV
Home National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.01% above tier average
- + Efficiency Ratio 9.33% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Delinquency Rate 1.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.8M
-1.3% YoY
+0.9% QoQ
|
+$28.6M |
$62.2M
-0.6% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Top 11.1% in tier |
| Total Loans ? |
$57.4M
+4.5% YoY
+3.8% QoQ
|
+$23.2M |
$34.2M
-1.4% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Top 14.6% in tier |
| Total Deposits ? |
$79.6M
-0.6% YoY
+1.1% QoQ
|
+$27.9M |
$51.7M
-0.7% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Top 9.6% in tier |
| Return on Assets ? |
0.78%
+31.2% YoY
+30.5% QoQ
|
-0.05% |
0.84%
-2.3% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
4.87%
+12.6% YoY
+2.8% QoQ
|
+1.01% |
3.86%
+2.8% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 14.0% in tier |
| Efficiency Ratio ? |
79.02%
-4.3% YoY
-5.2% QoQ
|
-9.33% |
88.34%
+0.3% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
2.62%
+10.1% YoY
+13.9% QoQ
|
+1.25% |
1.37%
+33.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
72.14%
+5.1% YoY
+2.6% QoQ
|
+7.93% |
64.22%
-0.7% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
23.96%
+8.1% YoY
+0.2% QoQ
|
+0.24% |
23.71%
+0.3% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.66%
+12.3% YoY
+17.1% QoQ
|
+0.87% |
0.79%
+28.2% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.0% in tier |
| Tier 1 Capital Ratio ? |
10.82%
-1.8% YoY
-2.8% QoQ
|
-15.87% |
26.68%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.6% in tier |
| Non-Interest Income / Assets ? |
0.15%
+23.6% YoY
-70.5% QoQ
|
-0.51% |
0.67%
+1.9% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Top 14.6% in tier |
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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.