BlastPoint's Banking Scorecard
HomeBank
Community
Specialty: Agricultural
MO
FDIC cert 14492
Palmyra, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
HomeBank shows strong momentum with 2 strengths and 9.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 31% in Community
- + Net Interest Margin 1.01% above tier
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$711.6M
+9.1% YoY
+7.2% QoQ
|
-$679.8M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$578.9M
+9.3% YoY
+4.8% QoQ
|
-$396.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$600.7M
+11.1% YoY
+9.6% QoQ
|
-$563.9M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
1.90%
+21.0% YoY
-6.8% QoQ
|
+0.74% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.68%
+7.7% YoY
-0.1% QoQ
|
+1.01% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
57.65%
-7.9% YoY
+0.5% QoQ
|
-4.98% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.61%
-23.6% YoY
-5.3% QoQ
|
-0.02% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
96.37%
-1.6% YoY
-4.4% QoQ
|
+13.31% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
20.72%
-9.9% YoY
+3.1% QoQ
|
-0.33% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.49%
-23.5% YoY
-7.5% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.56%
+1.9% YoY
+24.3% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#115 of 371 · Top 31% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.90%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.68%
(Tier avg: 3.66%, National avg: 3.75%)
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
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%
89
89th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
80
80th pctile
Loan-to-Deposit Ratio
Current: 96.37% · Tier avg: 83.06%
65
65th pctile
Efficiency Ratio
Current: 57.65% · Tier avg: 62.63%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.72% · Tier avg: 21.05%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
39
39th pctile
Total Loans
Current: $578.9M · Tier avg: $975.5M
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Assets
Current: $711.6M · Tier avg: $1.4B
28
28th pctile
Total Deposits
Current: $600.7M · Tier avg: $1.2B
Top Weaknesses
28
28th pctile
Total Deposits
Current: $600.7M · Tier avg: $1.2B
28
28th pctile
Total Assets
Current: $711.6M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
39
39th pctile
Total Loans
Current: $578.9M · Tier avg: $975.5M
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.72% · Tier avg: 21.05%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
65
65th pctile
Efficiency Ratio
Current: 57.65% · Tier avg: 62.63%
80
80th pctile
Loan-to-Deposit Ratio
Current: 96.37% · Tier avg: 83.06%
89
89th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
91
91th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.66%