BlastPoint's Banking Scorecard
Home State Bank
Micro
Specialty: Commercial
IA
FDIC cert 14867
Designations: ✓ Community bank
Jefferson, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Home State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$460.2M
+7.0% YoY
-0.5% QoQ
|
+$242.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$365.6M
+7.7% YoY
+0.1% QoQ
|
+$226.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$417.5M
+6.9% YoY
-0.6% QoQ
|
+$233.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.12%
-0.2% YoY
-9.3% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.73%
+5.9% YoY
-1.9% QoQ
|
-0.12% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
63.43%
-3.7% YoY
-2.3% QoQ
|
-4.29% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
2.24%
+582.1% QoQ
|
+1.60% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
87.57%
+0.8% YoY
+0.7% QoQ
|
+13.05% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
21.89%
-1.9% YoY
+10.2% QoQ
|
-0.50% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.78%
+624.8% YoY
+586.3% QoQ
|
+1.33% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
10.05%
-1.8% YoY
-0.6% QoQ
|
+1.20% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.67%
+2.4% YoY
+36.4% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.78%
(Tier avg: 0.45%, National avg: 0.48%)
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
98
98th pctile
Total Loans
Current: $365.6M · Tier avg: $139.2M
98
98th pctile
Total Deposits
Current: $417.5M · Tier avg: $183.7M
95
95th pctile
Total Assets
Current: $460.2M · Tier avg: $217.5M
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
57
57th pctile
Efficiency Ratio
Current: 63.43% · Tier avg: 67.73%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.05% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.89% · Tier avg: 22.39%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.57% · Tier avg: 74.53%
11
11th pctile
Delinquency Rate
Current: 2.24% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.24% · Tier avg: 0.64%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.57% · Tier avg: 74.53%
46
46th pctile
Net Interest Margin
Current: 3.73% · Tier avg: 3.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.89% · Tier avg: 22.39%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.05% · Tier avg: 8.85%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
57
57th pctile
Efficiency Ratio
Current: 63.43% · Tier avg: 67.73%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
95
95th pctile
Total Assets
Current: $460.2M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $417.5M · Tier avg: $183.7M
98
98th pctile
Total Loans
Current: $365.6M · Tier avg: $139.2M