BlastPoint's Banking Scorecard
Home Bank and Trust Company
Micro
Specialty: Commercial
KS
FDIC cert 4664
Designations: ✓ Community bank
Eureka, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Home Bank and Trust Company shows strong momentum with 1 strength and 11.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.23% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.0M
+11.5% YoY
+2.2% QoQ
|
-$32.5M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$133.1M
-1.4% YoY
+0.2% QoQ
|
-$6.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$169.1M
+11.8% YoY
+2.4% QoQ
|
-$14.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.49%
-2.2% YoY
-7.9% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.86%
-3.6% YoY
+0.5% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
63.03%
+0.8% YoY
+3.7% QoQ
|
-4.69% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.02%
-70.1% YoY
-89.6% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
78.71%
-11.8% YoY
-2.1% QoQ
|
+4.19% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
36.63%
+76.8% YoY
+87.2% QoQ
|
+14.23% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-73.5% YoY
-89.8% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
11.23%
+7.2% YoY
-1.6% QoQ
|
+2.38% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.67%
-2.2% YoY
+28.9% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.63%
(Tier avg: 22.39%, National avg: 21.79%)
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
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.63% · Tier avg: 22.39%
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
75
75th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
58
58th pctile
Efficiency Ratio
Current: 63.03% · Tier avg: 67.73%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.23% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 78.71% · Tier avg: 74.53%
55
55th pctile
Total Loans
Current: $133.1M · Tier avg: $139.2M
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
51
51th pctile
Total Deposits
Current: $169.1M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $185.0M · Tier avg: $217.5M
Top Weaknesses
47
47th pctile
Total Assets
Current: $185.0M · Tier avg: $217.5M
51
51th pctile
Total Deposits
Current: $169.1M · Tier avg: $183.7M
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
55
55th pctile
Total Loans
Current: $133.1M · Tier avg: $139.2M
55
55th pctile
Loan-to-Deposit Ratio
Current: 78.71% · Tier avg: 74.53%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.23% · Tier avg: 8.85%
58
58th pctile
Efficiency Ratio
Current: 63.03% · Tier avg: 67.73%
75
75th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.63% · Tier avg: 22.39%