BlastPoint's Banking Scorecard
Home State Bank, National Association
Community
Specialty: Commercial
IL
FDIC cert 12815
Crystal Lake, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Home State Bank, National Association demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 49% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$768.0M
+4.0% YoY
+1.1% QoQ
|
-$623.4M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$491.5M
+2.5% YoY
-1.1% QoQ
|
-$484.0M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$677.4M
+4.6% YoY
+0.6% QoQ
|
-$487.2M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.21%
+16.1% YoY
+7.2% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.82%
+8.9% YoY
+2.6% QoQ
|
+0.16% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
72.08%
-4.3% YoY
-2.9% QoQ
|
+9.45% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.05%
-38.9% YoY
-53.7% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
72.56%
-2.1% YoY
-1.7% QoQ
|
-10.50% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
30.74%
+0.4% YoY
+2.0% QoQ
|
+9.70% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-39.8% YoY
-54.7% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
18.47%
-1.0% YoY
+0.7% QoQ
|
+8.23% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
1.02%
-6.7% YoY
+41.1% QoQ
|
+0.28% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#182 of 371 · Top 49% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Tier 1 Capital Ratio
Current: 18.47% · Tier avg: 10.24%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.74% · Tier avg: 21.05%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.56% · Tier avg: 83.06%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
36
36th pctile
Total Deposits
Current: $677.4M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $768.0M · Tier avg: $1.4B
29
29th pctile
Total Loans
Current: $491.5M · Tier avg: $975.5M
23
23th pctile
Efficiency Ratio
Current: 72.08% · Tier avg: 62.63%
Top Weaknesses
23
23th pctile
Efficiency Ratio
Current: 72.08% · Tier avg: 62.63%
29
29th pctile
Total Loans
Current: $491.5M · Tier avg: $975.5M
33
33th pctile
Total Assets
Current: $768.0M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $677.4M · Tier avg: $1.2B
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.56% · Tier avg: 83.06%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.74% · Tier avg: 21.05%
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.47% · Tier avg: 10.24%