BlastPoint's Banking Scorecard

Home Banking Company

$100M-$1B Specialty: Other TN FDIC cert 9196

Selmer, TN

5 branches across TN · MS

2664 banks in the $100M-$1B peer group nationally 72 in TN

Home Banking Company faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 2.4% in tier
- Deposit Outflow: Bottom 49.2% in tier
- ROA 0.67% below tier average
- Net Interest Margin 0.31% below tier average
- Efficiency Ratio 13.96% above tier average
- Delinquency Rate 0.77% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$129.6M -12.2% YoY +5.3% QoQ	-$256.5M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Bottom 8.5% in tier
Total Loans ?	$61.4M -6.0% YoY +2.5% QoQ	-$194.3M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Bottom 5.3% in tier
Total Deposits ?	$117.3M -9.9% YoY +5.6% QoQ	-$210.6M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Bottom 11.2% in tier
Return on Assets ?	0.60% +745.2% YoY +950.4% QoQ	-0.67%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	3.62% +20.9% YoY +11.2% QoQ	-0.31%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	79.25% -18.6% YoY -15.3% QoQ	+13.96%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	1.66% +145.1% YoY +12.7% QoQ	+0.77%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	52.31% +4.3% YoY -3.0% QoQ	-24.33%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	Top 11.2% in tier
Non-Interest-Bearing Deposit Share ?	31.12% +6.1% YoY -3.8% QoQ	+9.10%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.78% +162.5% YoY +9.6% QoQ	+0.15%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	10.23% -42.4% YoY -1.2% QoQ	-5.60%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Bottom 12.4% in tier
Non-Interest Income / Assets ?	0.27% +197.6% YoY -36.9% QoQ	-0.01%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Top 8.0% in tier

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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 (2)

Capital Thin

risk

#17 of 666 • Bottom 2.4% 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: 10.23%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#250 of 506 • Bottom 49.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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 (3 metrics)

214

Non-Interest Income / Assets

revenue_mix

Value: 0.27%

Peer Median: 0.28%

#214 of 2664 Top 8.0% in $100M-$1B

299

Loan-to-Deposit Ratio

liquidity

Value: 52.31%

Peer Median: 76.64%

#299 of 2664 Top 11.2% in $100M-$1B

414

Non-Interest-Bearing Deposit Share

funding

Value: 31.12%

Peer Median: 22.02%

#414 of 2664 Top 15.5% in $100M-$1B

Top Weaknesses (7 metrics)

2523

Total Loans

size

Value: $61.38M

Peer Median: $255.72M

#2523 of 2664 Bottom 5.3% in $100M-$1B

2439

Total Assets

size

Value: $129.58M

Peer Median: $386.08M

#2439 of 2664 Bottom 8.5% in $100M-$1B

2366

Total Deposits

size

Value: $117.34M

Peer Median: $327.97M

#2366 of 2664 Bottom 11.2% in $100M-$1B

2335

Tier 1 Capital Ratio

capital

Value: 10.23%

Peer Median: 15.83%

#2335 of 2664 Bottom 12.4% in $100M-$1B

2227

Delinquency Rate

credit_quality

Value: 1.66%

Peer Median: 0.89%

#2227 of 2654 Bottom 16.1% in $100M-$1B

2235

Efficiency Ratio

profitability

Value: 79.25%

Peer Median: 65.29%

#2235 of 2664 Bottom 16.1% in $100M-$1B

2230

Return on Assets

profitability

Value: 0.60%

Peer Median: 1.27%

#2230 of 2664 Bottom 16.3% in $100M-$1B