BlastPoint's Banking Scorecard

The Home Trust & Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 963

Osage, IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

The Home Trust & Savings Bank has 2 strengths but faces 3 concerns

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

+ Efficiency Ratio 20.54% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.29% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.05% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$294.8M +1.2% YoY +1.4% QoQ	-$91.3M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$210.6M +4.0% YoY +1.7% QoQ	-$45.1M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$261.2M +4.5% YoY +2.5% QoQ	-$66.8M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.22% +27.8% YoY +14.7% QoQ	-0.05%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	2.64% +21.2% YoY +12.1% QoQ	-1.29%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 4.7% in tier
Efficiency Ratio ?	44.75% -9.0% YoY -11.7% QoQ	-20.54%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 8.7% in tier
Delinquency Rate ?	0.37% -51.5% YoY +11.0% QoQ	-0.52%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	80.62% -0.5% YoY -0.7% QoQ	+3.99%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	11.04% -6.2% YoY -17.3% QoQ	-10.98%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 12.9% in tier
Nonperforming Asset Ratio ?	0.40% -25.0% YoY +6.7% QoQ	-0.24%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	43%
Tier 1 Capital Ratio ?	14.75% +3.6% YoY -0.3% QoQ	-1.08%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.02% -20.5% YoY -68.0% QoQ	-0.26%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 4.7% 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 (0)

No matched concern signatures this quarter

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 (1 metrics)

234

Efficiency Ratio

profitability

Value: 44.75%

Peer Median: 65.29%

#234 of 2664 Top 8.7% in $100M-$1B

Top Weaknesses (3 metrics)

2541

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2541 of 2664 Bottom 4.7% in $100M-$1B

2540

Net Interest Margin

profitability

Value: 2.64%

Peer Median: 3.93%

#2540 of 2664 Bottom 4.7% in $100M-$1B

2322

Non-Interest-Bearing Deposit Share

funding

Value: 11.04%

Peer Median: 22.02%

#2322 of 2664 Bottom 12.9% in $100M-$1B