BlastPoint's Banking Scorecard
Home State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 966
Designations: ✓ Community bank
Royal, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Home State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.7M
-1.9% YoY
+3.6% QoQ
|
-$158.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$32.3M
-3.7% YoY
+1.2% QoQ
|
-$106.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$44.5M
+0.2% YoY
+6.8% QoQ
|
-$139.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.50%
+37.0% YoY
-12.2% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.54%
+14.9% YoY
-0.3% QoQ
|
-0.32% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
54.94%
-3.7% YoY
+10.7% QoQ
|
-12.79% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
72.61%
-3.9% YoY
-5.2% QoQ
|
-1.91% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
18.55%
-2.2% YoY
+7.2% QoQ
|
-3.85% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.04%
-24.3% YoY
+25.5% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.04%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
81
81th pctile
Efficiency Ratio
Current: 54.94% · Tier avg: 67.73%
75
75th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.61% · Tier avg: 74.53%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.55% · Tier avg: 22.39%
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
12
12th pctile
Total Loans
Current: $32.3M · Tier avg: $139.2M
10
10th pctile
Total Assets
Current: $58.7M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $44.5M · Tier avg: $183.7M
3
3th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
8
8th pctile
Total Deposits
Current: $44.5M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $58.7M · Tier avg: $217.5M
12
12th pctile
Total Loans
Current: $32.3M · Tier avg: $139.2M
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.55% · Tier avg: 22.39%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.61% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 54.94% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%