BlastPoint's Banking Scorecard
Home State Bank
Litchfield, MN
4 branches across MN
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 151 in MN.
- Deposits +8.7% year over year ($194.3M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.18%.
- Efficiency ratio 70.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.18% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Home State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.21% above tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency Ratio 6.04% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$218.9M
+4.4% YoY
-2.1% QoQ
|
-$167.7M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$120.8M
+1.6% YoY
+0.4% QoQ
|
-$137.5M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$194.3M
+8.7% YoY
-1.8% QoQ
|
-$132.4M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
1.18%
+7.6% YoY
+1.2% QoQ
|
-0.14% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.97%
+4.1% YoY
+0.6% QoQ
|
-0.02% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
70.52%
-0.8% YoY
+2.2% QoQ
|
+6.04% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.08%
-81.4% YoY
+522.7% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
62.18%
-6.6% YoY
+2.2% QoQ
|
-15.77% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
36.24%
-1.7% YoY
-3.2% QoQ
|
+14.21% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 8.2% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-81.9% YoY
+538.7% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
15.89%
+7.9% YoY
+2.7% QoQ
|
-0.02% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.28%
-3.0% YoY
+99.5% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
68% |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.2%
-0.6pp YoY -1.2pp QoQ |
+14.1pp | 22.1% | 21.9% | 22.2% | 92% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.4%
0.0pp YoY -0.8pp QoQ |
+7.9pp | 11.6% | 14.6% | 12.5% | 87% |
| CRE |
34.3%
-1.7pp YoY -0.9pp QoQ |
-5.3pp | 39.5% | 36.5% | 41.4% | 42% |
| 1-4 Family |
31.6%
+3.7pp YoY +1.3pp QoQ |
-1.0pp | 32.6% | 29.4% | 31.3% | 55% |
| Consumer |
4.2%
-1.3pp YoY +0.1pp QoQ |
0.0pp | 4.1% | 4.5% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.9%
+1.2pp YoY +0.4pp QoQ |
-2.9pp | 18.8% | 16.5% | 19.7% | 57% |
| Leverage Ratio |
11.8%
+0.6pp YoY 0.0pp QoQ |
-0.4pp | 12.2% | 11.0% | 12.6% | 63% |
| Total Capital Ratio |
16.7%
+1.2pp YoY +0.4pp QoQ |
-3.2pp | 19.9% | 17.6% | 20.8% | 55% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
+3 (+7.9%) YoY 0 QoQ |
-18 | 58 | 55 | 482 | 42% |
| Assets per Employee ($) |
$5.3M
-3.2% YoY -2.1% QoQ |
-$2.2M | $7.5M | $8.6M | $8.8M | 20% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 4 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.3pp YoY +0.1pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 16% |
| Allowance Coverage |
13.97x
+441.4% YoY -83.9% QoQ |
-10.18x | 24.15x | 20.41x | 20.23x | 85% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
-4.5pp YoY -0.1pp QoQ |
+3.2pp | 12.2% | 13.1% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY +0.1pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 14% |
| Net Income ($, YTD) |
$1.3M
+10.7% YoY — QoQ |
-$1.3M | $2.6M | $4.5M | $40.4M | 35% |
Get Full Access to Home State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.