BlastPoint's Banking Scorecard
The Home Trust & Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 963
Designations: ✓ Community bank
Osage, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
The Home Trust & Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.50% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$290.7M
-0.0% YoY
+0.2% QoQ
|
+$73.3M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$207.0M
+4.0% YoY
+5.3% QoQ
|
+$67.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$255.0M
+3.5% YoY
+0.0% QoQ
|
+$71.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.06%
+62.2% YoY
+2.3% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
2.35%
+34.0% YoY
+3.4% QoQ
|
-1.50% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
50.69%
-18.0% YoY
+3.3% QoQ
|
-17.03% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.33%
-50.6% YoY
-35.8% QoQ
|
-0.31% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
81.20%
+0.6% YoY
+5.2% QoQ
|
+6.67% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
13.35%
+12.2% YoY
+16.4% QoQ
|
-9.05% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.37%
-19.3% YoY
+5.9% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
14.79%
+4.0% YoY
-1.0% QoQ
|
+5.94% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.07%
-8.6% YoY
+39.2% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.35%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
89
89th pctile
Efficiency Ratio
Current: 50.69% · Tier avg: 67.73%
76
76th pctile
Total Loans
Current: $207.0M · Tier avg: $139.2M
72
72th pctile
Total Deposits
Current: $255.0M · Tier avg: $183.7M
72
72th pctile
Tier 1 Capital Ratio
Current: 14.79% · Tier avg: 8.85%
71
71th pctile
Total Assets
Current: $290.7M · Tier avg: $217.5M
53
53th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.20% · Tier avg: 74.53%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.35% · Tier avg: 22.39%
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
4
4th pctile
Net Interest Margin
Current: 2.35% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.35% · Tier avg: 3.85%
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.35% · Tier avg: 22.39%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.20% · Tier avg: 74.53%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
53
53th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
71
71th pctile
Total Assets
Current: $290.7M · Tier avg: $217.5M
72
72th pctile
Tier 1 Capital Ratio
Current: 14.79% · Tier avg: 8.85%
72
72th pctile
Total Deposits
Current: $255.0M · Tier avg: $183.7M
76
76th pctile
Total Loans
Current: $207.0M · Tier avg: $139.2M
89
89th pctile
Efficiency Ratio
Current: 50.69% · Tier avg: 67.73%