BlastPoint's Banking Scorecard
Home Savings and Loan Association of Carroll County, F.A.
Micro
Specialty: Other
MO
FDIC cert 27898
Designations: ✓ Community bank
Norborne, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Home Savings and Loan Association of Carroll County, F.A. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.93% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.2M
+4.5% YoY
+3.2% QoQ
|
-$87.3M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$86.6M
+1.5% YoY
-2.3% QoQ
|
-$52.5M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$111.2M
+7.2% YoY
+6.1% QoQ
|
-$72.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.67%
+148.1% YoY
-6.7% QoQ
|
-0.41% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
2.99%
+25.9% YoY
+1.7% QoQ
|
-0.87% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
69.11%
-21.8% YoY
+0.8% QoQ
|
+1.39% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
1.05%
+18.2% YoY
+52.9% QoQ
|
+0.41% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
77.94%
-5.2% YoY
-7.9% QoQ
|
+3.41% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
2.25%
-22.6% YoY
+2.7% QoQ
|
-20.14% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.70%
+14.9% YoY
+44.7% QoQ
|
+0.25% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
23.78%
+0.9% YoY
+1.9% QoQ
|
+14.93% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.16%
+4.7% YoY
+13.0% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.78%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.25%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Tier 1 Capital Ratio
Current: 23.78% · Tier avg: 8.85%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.94% · Tier avg: 74.53%
42
42th pctile
Efficiency Ratio
Current: 69.11% · Tier avg: 67.73%
37
37th pctile
Total Loans
Current: $86.6M · Tier avg: $139.2M
33
33th pctile
Total Deposits
Current: $111.2M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $130.2M · Tier avg: $217.5M
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.64%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.25% · Tier avg: 22.39%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.25% · Tier avg: 22.39%
16
16th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.85%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
28
28th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
31
31th pctile
Total Assets
Current: $130.2M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $111.2M · Tier avg: $183.7M
37
37th pctile
Total Loans
Current: $86.6M · Tier avg: $139.2M
42
42th pctile
Efficiency Ratio
Current: 69.11% · Tier avg: 67.73%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.94% · Tier avg: 74.53%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.78% · Tier avg: 8.85%