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The Home Trust & Savings Bank

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

Osage, IA

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 167 in IA.
  • Deposits +2.3% year over year ($252.9M on the books).
  • Delinquency rate 0.81%.
  • Return on assets 1.33%.
  • Efficiency ratio 45.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.80% 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 167 in IA
View $100M-$1B leaderboard (IA) →

The Home Trust & Savings Bank has 2 strengths but faces 4 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 19.16% below tier average
  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 32.7% in tier
  • - Credit Quality Pressure: Bottom 47.6% in tier
  • - Net Interest Margin 1.27% below tier average
  • - Non-Interest Income / Assets 0.54% below tier average
Get updates when The Home Trust & Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $287.7M
+0.9% YoY -2.4% QoQ
-$98.8M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $209.4M
+5.9% YoY -0.6% QoQ
-$48.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $252.9M
+2.3% YoY -3.2% QoQ
-$73.8M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 1.33%
+42.4% YoY +9.3% QoQ
+0.01% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 2.72%
+23.7% YoY +3.1% QoQ
-1.27% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 5.2% in tier
Efficiency Ratio ? 45.32%
-11.4% YoY +1.3% QoQ
-19.16% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 9.5% in tier
Delinquency Rate ? 0.81%
+42.9% YoY +118.3% QoQ
-0.11% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 82.80%
+3.5% YoY +2.7% QoQ
+4.85% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 12.28%
+15.3% YoY +11.3% QoQ
-9.75% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
15%
Nonperforming Asset Ratio ? 0.73%
+84.8% YoY +82.2% QoQ
+0.06% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 15.11%
+2.4% YoY +2.5% QoQ
-0.80% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.03%
-23.0% YoY +43.8% QoQ
-0.54% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 2.8% in tier

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 12.3%
+1.6pp YoY
+1.2pp QoQ
 -9.9pp 22.1% 17.8% 22.2% 15%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 8.8%
-0.4pp YoY
+0.4pp QoQ
 -2.8pp 11.6% 12.8% 12.5% 45%
CRE 9.0%
-0.7pp YoY
-0.2pp QoQ
 -30.5pp 39.5% 28.3% 41.4% 4%
1-4 Family 27.9%
+0.1pp YoY
+0.2pp QoQ
 -4.7pp 32.6% 23.0% 31.3% 47%
Consumer 2.1%
-0.1pp YoY
+0.1pp QoQ
 -2.0pp 4.1% 2.9% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 15.1%
+0.3pp YoY
+0.4pp QoQ
 -3.7pp 18.8% 15.4% 19.7% 50%
Leverage Ratio 10.8%
+0.4pp YoY
+0.2pp QoQ
 -1.3pp 12.2% 12.4% 12.6% 47%
Total Capital Ratio 16.3%
+0.4pp YoY
+0.4pp QoQ
 -3.6pp 19.9% 16.5% 20.8% 51%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 15
0 YoY
0 QoQ
 -44 58 64 482 4%
Assets per Employee ($) $19.2M
+0.9% YoY
-2.4% QoQ
 +$11.7M $7.5M $8.9M $8.8M 99%
Branch Count 1
0 YoY
0 QoQ
 -4 4 5 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.4pp YoY
+0.4pp QoQ
 +0.4pp 0.3% 0.4% 0.4% 88%
Nonaccrual 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 16%
Allowance Coverage 1.52x
-30.4% YoY
-53.9% QoQ
 -22.64x 24.15x 18.97x 20.23x 40%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 14.0%
+2.7pp YoY
+0.9pp QoQ
 +1.8pp 12.2% 12.8% 11.6% 62%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.8% 1.7% 83%
Net Income ($, YTD) $1.9M
+43.4% YoY
— QoQ
 -$621K $2.6M $4.0M $40.4M 51%

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)

Credit Risk Growth

risk
#307 of 936 • Bottom 32.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#599 of 1256 • Bottom 47.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.81%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

252
Efficiency Ratio
profitability
Value: 45.32%
Peer Median: 64.48%
#252 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (3 metrics)

2571
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.57%
#2571 of 2643 Bottom 2.8% in $100M-$1B
2506
Net Interest Margin
profitability
Value: 2.72%
Peer Median: 3.99%
#2506 of 2643 Bottom 5.2% in $100M-$1B
2241
Non-Interest-Bearing Deposit Share
funding
Value: 12.28%
Peer Median: 22.03%
#2241 of 2643 Bottom 15.2% in $100M-$1B
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