Home Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Bank and Trust Company of Eureka, KS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.11% | 1.34% | +0.77% | 88th top |
| ROAE | 25.87% | 13.32% | +12.55% | 96th top |
| Net Interest Margin | 4.24% | 3.93% | +0.31% | 67th above |
| Efficiency Ratio | 51.44% | 61.13% | -9.69% | 78th top |
| PPNR / Avg Assets | 2.36% | 1.68% | +0.68% | 86th top |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds | 2.01% | 1.88% | +0.13% | 37th below |
| Net Interest Spread | 3.48% | 3.32% | +0.16% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 0.94% | -0.31% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.70% | -0.16% | 36th below |
| NCO / Avg Loans | -0.47% | 0.16% | -0.63% | 99th top |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 179.92% | 1546.39% | -1366.47% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.72% | 7.34% | -1.62% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.11% | 19.49% | -8.38% | 9th bottom |
| Tier 1 Ratio | 11.11% | 19.52% | -8.41% | 9th bottom |
| Total Capital Ratio | 12.36% | 20.61% | -8.25% | 11th bottom |
| Leverage Ratio | 8.28% | 12.14% | -3.86% | 4th bottom |
| Equity / Assets | 8.39% | 11.37% | -2.98% | 18th bottom |
| TCE / Tangible Assets | 8.39% | 11.08% | -2.69% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.60% | 80.66% | +11.94% | 23rd bottom |
| Core Deposit Ratio | 80.01% | 86.85% | -6.84% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.25% | 6.84% | -0.59% | 64th above |
| Loan Growth (Y/Y) | 8.95% | 7.92% | +1.03% | 69th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.86% | 6.29% | -0.43% | 63rd above |
See Home Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Home Bank and Trust Company profile, how to read a UBPR, or how this data updates.