BlastPoint's Banking Scorecard

Home Banking Company

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

Selmer, TN

5 branches across TN · MS

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 72 in TN.
Deposits -3.8% year over year ($111.5M on the books).
Delinquency rate 1.50%.
Return on assets 0.42%.
Efficiency ratio 86.24% vs a 64.48% peer average.
Loan-to-deposit ratio 55.65% 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 72 in TN

View $100M-$1B leaderboard (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 5.1% in tier
- Deposit Outflow: Bottom 6.7% in tier
- Efficiency Ratio 21.76% above tier average
- ROA 0.91% below tier average
- Net Interest Margin 0.29% below tier average
- Delinquency Rate 0.58% above tier average

Get updates when Home Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$124.0M -2.7% YoY -4.3% QoQ	-$262.6M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Bottom 6.8% in tier
Total Loans ?	$62.0M +0.4% YoY +1.1% QoQ	-$196.3M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Bottom 5.1% in tier
Total Deposits ?	$111.5M -3.8% YoY -5.0% QoQ	-$215.2M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Bottom 9.0% in tier
Return on Assets ?	0.42% +411.6% YoY -30.6% QoQ	-0.91%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Bottom 10.2% in tier
Net Interest Margin ?	3.69% +20.3% YoY +2.0% QoQ	-0.29%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	86.24% -7.2% YoY +8.8% QoQ	+21.76%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	Bottom 8.2% in tier
Delinquency Rate ?	1.50% +184.0% YoY -9.4% QoQ	+0.58%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	55.65% +4.4% YoY +6.4% QoQ	-22.30%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	Top 13.1% in tier
Non-Interest-Bearing Deposit Share ?	30.47% -9.7% YoY -2.1% QoQ	+8.44%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	83%
Nonperforming Asset Ratio ?	0.75% +193.3% YoY -4.3% QoQ	+0.08%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	10.08% -48.5% YoY -1.4% QoQ	-5.82%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Bottom 11.9% in tier
Non-Interest Income / Assets ?	0.37% +76.5% YoY +35.9% QoQ	-0.20%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	82%

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 (TN)	National Avg	Tier Percentile
Noninterest-Bearing	30.5% -3.3pp YoY -0.7pp QoQ	+8.3pp	22.1%	18.8%	22.2%	83%
Brokered Deposits	n/a	n/a	7.9%	9.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	7.8% -5.9pp YoY -1.5pp QoQ	-3.7pp	11.6%	10.9%	12.5%	39%
CRE	26.9% +4.5pp YoY 0.0pp QoQ	-12.6pp	39.5%	42.4%	41.4%	29%
1-4 Family	53.0% +1.2pp YoY +1.4pp QoQ	+20.4pp	32.6%	39.8%	31.3%	85%
Consumer	12.5% +0.2pp YoY 0.0pp QoQ	+8.4pp	4.1%	4.5%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	14.8%	19.7%	n/a
Leverage Ratio	10.1% +0.9pp YoY -0.1pp QoQ	-2.1pp	12.2%	11.4%	12.6%	34%
Total Capital Ratio	n/a	n/a	19.9%	15.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	32 +7 (+28.0%) YoY 0 QoQ	-27	58	270	482	30%
Assets per Employee ($)	$3.9M -24.0% YoY -4.3% QoQ	-$3.6M	$7.5M	$7.1M	$8.8M	4%
Branch Count	5 0 YoY 0 QoQ	0	4	17	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.1pp QoQ	0.0pp	0.3%	0.2%	0.4%	77%
Nonaccrual	1.1% +0.6pp YoY -0.3pp QoQ	+0.2pp	0.9%	0.7%	1.0%	74%
Allowance Coverage	0.61x -63.7% YoY +7.5% QoQ	-23.55x	24.15x	28.97x	20.23x	14%
Net Charge-off Rate (YTD)	0.1% -0.3pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	4.8% +3.6pp YoY -2.2pp QoQ	-7.4pp	12.2%	10.9%	11.6%	13%
Cost of Funds (YTD)	1.5% -0.4pp YoY +0.1pp QoQ	-0.2pp	1.7%	2.0%	1.7%	38%
Net Income ($, YTD)	$262,000 +359.6% YoY — QoQ	-$2.3M	$2.6M	$16.7M	$40.4M	6%

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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

#35 of 661 • Bottom 5.1% 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: 10.08%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Deposit Outflow

decline

#37 of 535 • Bottom 6.7% in tier

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

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

347

Loan-to-Deposit Ratio

liquidity

Value: 55.65%

Peer Median: 77.95%

#347 of 2643 Top 13.1% in $100M-$1B

443

Non-Interest-Bearing Deposit Share

funding

Value: 30.47%

Peer Median: 22.03%

#443 of 2643 Top 16.7% in $100M-$1B

488

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.57%

#488 of 2643 Top 18.4% in $100M-$1B

Top Weaknesses (7 metrics)

2509

Total Loans

size

Value: $62.04M

Peer Median: $258.35M

#2509 of 2643 Bottom 5.1% in $100M-$1B

2465

Total Assets

size

Value: $123.96M

Peer Median: $386.57M

#2465 of 2643 Bottom 6.8% in $100M-$1B

2428

Efficiency Ratio

profitability

Value: 86.24%

Peer Median: 64.48%

#2428 of 2643 Bottom 8.2% in $100M-$1B

2405

Total Deposits

size

Value: $111.49M

Peer Median: $326.73M

#2405 of 2643 Bottom 9.0% in $100M-$1B

2375

Return on Assets

profitability

Value: 0.42%

Peer Median: 1.32%

#2375 of 2643 Bottom 10.2% in $100M-$1B

2329

Tier 1 Capital Ratio

capital

Value: 10.08%

Peer Median: 15.91%

#2329 of 2643 Bottom 11.9% in $100M-$1B

2146

Delinquency Rate

credit_quality

Value: 1.50%

Peer Median: 0.92%

#2146 of 2633 Bottom 18.5% in $100M-$1B