BlastPoint's Banking Scorecard
Home Savings Bank
Micro
Specialty: Agricultural
KS
FDIC cert 28246
Designations: ✓ Community bank ✓ Mutual
Chanute, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Home Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 18.56% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.7M
+4.9% YoY
+1.3% QoQ
|
-$104.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$74.2M
-3.4% YoY
-0.2% QoQ
|
-$65.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$88.5M
+8.2% YoY
+1.9% QoQ
|
-$95.2M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.08%
+51.3% YoY
-1.0% QoQ
|
0 |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.96%
+5.7% YoY
+1.6% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
64.86%
-9.9% YoY
+0.8% QoQ
|
-2.87% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.11%
-49.2% YoY
-2.2% QoQ
|
-0.53% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
83.85%
-10.7% YoY
-2.0% QoQ
|
+9.32% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
6.89%
-0.6% YoY
-10.6% QoQ
|
-15.50% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-53.2% YoY
-3.7% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
27.42%
+15.5% YoY
+3.1% QoQ
|
+18.56% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.30%
+46.9% YoY
+9.4% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.42%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.89%
(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
95
95th pctile
Tier 1 Capital Ratio
Current: 27.42% · Tier avg: 8.85%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
53
53th pctile
Efficiency Ratio
Current: 64.86% · Tier avg: 67.73%
51
51th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 83.85% · Tier avg: 74.53%
31
31th pctile
Total Loans
Current: $74.2M · Tier avg: $139.2M
26
26th pctile
Total Assets
Current: $112.7M · Tier avg: $217.5M
25
25th pctile
Total Deposits
Current: $88.5M · Tier avg: $183.7M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.89% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.89% · Tier avg: 22.39%
25
25th pctile
Total Deposits
Current: $88.5M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $112.7M · Tier avg: $217.5M
31
31th pctile
Total Loans
Current: $74.2M · Tier avg: $139.2M
34
34th pctile
Loan-to-Deposit Ratio
Current: 83.85% · Tier avg: 74.53%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
53
53th pctile
Efficiency Ratio
Current: 64.86% · Tier avg: 67.73%
56
56th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
69
69th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.42% · Tier avg: 8.85%