BlastPoint's Banking Scorecard
Home Bank SB
Micro
Specialty: Other
IN
FDIC cert 29881
Designations: ✓ Community bank ✓ Mutual
Martinsville, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Home Bank SB demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.48% 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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$433.5M
+2.9% YoY
+1.3% QoQ
|
+$216.0M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$255.2M
+7.6% YoY
+0.8% QoQ
|
+$116.1M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$360.9M
-0.2% YoY
+1.6% QoQ
|
+$177.2M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.56%
+44.4% YoY
+17.8% QoQ
|
-0.52% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.38%
+8.8% YoY
+2.0% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
85.10%
-3.2% YoY
-3.1% QoQ
|
+17.38% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.68%
+11.0% YoY
+98.5% QoQ
|
+0.04% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
70.73%
+7.8% YoY
-0.8% QoQ
|
-3.79% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
23.64%
+13.5% YoY
+6.6% QoQ
|
+1.24% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.40%
+16.1% YoY
+97.5% QoQ
|
-0.05% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.04%
-0.6% YoY
+37.3% QoQ
|
+0.48% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Non-Interest Income as a share of assets is in the top decile of tier peers. Fee and service revenue meaningfully diversifies away from rate-spread dependence.
Why this stands out
Current:
1.04%
(Tier avg: 0.56%, National avg: 0.65%)
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%
92
92th pctile
Total Assets
Current: $433.5M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $360.9M · Tier avg: $183.7M
86
86th pctile
Total Loans
Current: $255.2M · Tier avg: $139.2M
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.73% · Tier avg: 74.53%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.64% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.10% · Tier avg: 67.73%
Top Weaknesses
13
13th pctile
Efficiency Ratio
Current: 85.10% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.64% · Tier avg: 22.39%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.73% · Tier avg: 74.53%
86
86th pctile
Total Loans
Current: $255.2M · Tier avg: $139.2M
92
92th pctile
Total Deposits
Current: $360.9M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $433.5M · Tier avg: $217.5M
93
93th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.56%