BlastPoint's Banking Scorecard
Home National Bank
Designations: ✓ Community bank
Racine, OH
4 branches across OH · WV
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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +5.9% year over year ($84.0M on the books).
- Delinquency rate 2.47%.
- Return on assets 0.90%.
- Efficiency ratio 77.33% vs a 119.40% peer average.
- Loan-to-deposit ratio 67.25% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Home National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.09% above tier average
- + Efficiency Ratio 42.06% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Delinquency Rate 0.99% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.0M
+4.0% YoY
+4.6% QoQ
|
+$32.5M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 6.7% in tier |
| Total Loans ? |
$56.5M
+1.2% YoY
-1.6% QoQ
|
+$21.6M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$84.0M
+5.9% YoY
+5.5% QoQ
|
+$32.4M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 5.0% in tier |
| Return on Assets ? |
0.90%
+36.7% YoY
+14.4% QoQ
|
-0.10% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
5.00%
+10.7% YoY
+2.6% QoQ
|
+1.09% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 12.9% in tier |
| Efficiency Ratio ? |
77.33%
-5.5% YoY
-2.1% QoQ
|
-42.06% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
2.47%
+56.1% YoY
-5.7% QoQ
|
+0.99% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
67.25%
-4.5% YoY
-6.8% QoQ
|
-6.96% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
26.19%
+3.8% YoY
+9.3% QoQ
|
+2.70% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.47%
+43.7% YoY
-11.3% QoQ
|
+0.63% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.46%
-2.5% YoY
-3.3% QoQ
|
-16.66% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.8% in tier |
| Non-Interest Income / Assets ? |
0.26%
-6.1% YoY
+72.6% QoQ
|
-1.12% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
79% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.2%
+1.0pp YoY +2.2pp QoQ |
+1.5pp | 24.6% | 18.8% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
-0.4pp YoY -0.3pp QoQ |
-5.3pp | 13.4% | 10.2% | 12.5% | 40% |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
56.0%
+1.5pp YoY -0.1pp QoQ |
+21.1pp | 35.0% | 50.0% | 31.3% | 78% |
| Consumer |
13.8%
-0.4pp YoY +0.8pp QoQ |
+6.1pp | 7.7% | 4.7% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
10.5%
-0.3pp YoY -0.4pp QoQ |
-7.2pp | 17.7% | 12.9% | 12.6% | 23% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
0 YoY 0 QoQ |
+11 | 12 | 2,433 | 482 | 94% |
| Assets per Employee ($) |
$4.1M
+4.0% YoY +4.6% QoQ |
-$2.1M | $6.2M | $7.6M | $8.8M | 22% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 81 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.2% | 0.4% | 13% |
| Nonaccrual |
2.4%
+0.9pp YoY -0.1pp QoQ |
+0.7pp | 1.7% | 0.6% | 1.0% | 81% |
| Allowance Coverage |
0.70x
-31.1% YoY +9.1% QoQ |
-5.71x | 6.41x | 18.95x | 20.23x | 33% |
| Net Charge-off Rate (YTD) |
0.3%
-0.2pp YoY -0.1pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
+2.0pp YoY +1.3pp QoQ |
+3.1pp | 6.4% | 9.7% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.7% | 1.7% | 73% |
| Net Income ($, YTD) |
$412,000
+37.8% YoY — QoQ |
+$94K | $317,817 | $259.3M | $40.4M | 66% |
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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.