BlastPoint's Banking Scorecard
Home National Bank
Micro
Specialty: Other
OH
FDIC cert 6680
Designations: ✓ Community bank
Racine, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Home National Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.9M
-0.2% YoY
+0.4% QoQ
|
-$127.6M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$55.3M
+1.3% YoY
+1.9% QoQ
|
-$83.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$78.7M
+0.2% YoY
+0.4% QoQ
|
-$104.9M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.60%
-11.2% YoY
-5.4% QoQ
|
-0.48% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
4.74%
+10.5% YoY
+1.0% QoQ
|
+0.89% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
83.39%
+1.2% YoY
+0.8% QoQ
|
+15.66% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
2.30%
-26.8% YoY
+43.6% QoQ
|
+1.66% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
70.30%
+1.1% YoY
+1.5% QoQ
|
-4.22% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
23.90%
+4.2% YoY
+2.0% QoQ
|
+1.51% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.42%
-25.7% YoY
+40.1% QoQ
|
+0.96% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.52%
+8.1% YoY
+27.8% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
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
86
86th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.30% · Tier avg: 74.53%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.90% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
23
23th pctile
Total Loans
Current: $55.3M · Tier avg: $139.2M
23
23th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
21
21th pctile
Total Deposits
Current: $78.7M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $89.9M · Tier avg: $217.5M
15
15th pctile
Efficiency Ratio
Current: 83.39% · Tier avg: 67.73%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.30% · Tier avg: 0.64%
Top Weaknesses
11
11th pctile
Delinquency Rate
Current: 2.30% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
15
15th pctile
Efficiency Ratio
Current: 83.39% · Tier avg: 67.73%
19
19th pctile
Total Assets
Current: $89.9M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.7M · Tier avg: $183.7M
23
23th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
23
23th pctile
Total Loans
Current: $55.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.90% · Tier avg: 22.39%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.30% · Tier avg: 74.53%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
86
86th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%