BlastPoint's Banking Scorecard
The Hometown Savings Bank
Micro
Specialty: Commercial
IN
FDIC cert 17736
Designations: ✓ Community bank
Terre Haute, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
The Hometown Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.45% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.06% below tier
- - Net Interest Margin 1.21% below tier
- - Efficiency Ratio 32.48% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$457.8M
-2.9% YoY
-0.1% QoQ
|
+$240.3M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$289.9M
+7.2% YoY
+2.3% QoQ
|
+$150.7M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$395.5M
-4.5% YoY
-1.2% QoQ
|
+$211.9M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
0.02%
+116.0% YoY
+138.9% QoQ
|
-1.06% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.64%
+22.3% YoY
+2.8% QoQ
|
-1.21% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
100.21%
-10.8% YoY
-2.6% QoQ
|
+32.48% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.61%
-8.5% YoY
-23.6% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
73.29%
+12.3% YoY
+3.6% QoQ
|
-1.24% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
15.32%
+5.5% YoY
-0.0% QoQ
|
-7.07% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.39%
+1.0% YoY
-21.7% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.84%
-0.9% YoY
-1.4% QoQ
|
+3.98% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
1.01%
+2.5% YoY
+33.7% QoQ
|
+0.45% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.01%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.64%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
100.21%
(Tier avg: 67.73%, National avg: 65.09%)
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
96
96th pctile
Total Deposits
Current: $395.5M · Tier avg: $183.7M
95
95th pctile
Total Assets
Current: $457.8M · Tier avg: $217.5M
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
91
91th pctile
Total Loans
Current: $289.9M · Tier avg: $139.2M
63
63th pctile
Tier 1 Capital Ratio
Current: 12.84% · Tier avg: 8.85%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.29% · Tier avg: 74.53%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.32% · Tier avg: 22.39%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
7
7th pctile
Return on Assets
Current: 0.02% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 100.21% · Tier avg: 67.73%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 100.21% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.02% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.32% · Tier avg: 22.39%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.29% · Tier avg: 74.53%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.84% · Tier avg: 8.85%
91
91th pctile
Total Loans
Current: $289.9M · Tier avg: $139.2M
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
95
95th pctile
Total Assets
Current: $457.8M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $395.5M · Tier avg: $183.7M