Home Bank SB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Bank SB of Martinsville, IN against its peer group of 2672 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 | 0.66% | 1.34% | -0.68% | 17th bottom |
| ROAE | 7.60% | 13.32% | -5.72% | 23rd bottom |
| Net Interest Margin | 3.59% | 3.93% | -0.34% | 31st below |
| Efficiency Ratio | 79.84% | 61.13% | +18.71% | 14th bottom |
| PPNR / Avg Assets | 0.79% | 1.68% | -0.89% | 14th bottom |
| Yield on Earning Assets | 4.72% | 5.67% | -0.95% | 14th bottom |
| Cost of Funds | 1.23% | 1.88% | -0.65% | 83rd top |
| Net Interest Spread | 3.15% | 3.32% | -0.17% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.91% | 0.94% | -0.03% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.70% | -0.15% | 36th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 33rd below |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 41st below |
| ACL / NPLs (Coverage) | 123.77% | 1539.32% | -1415.55% | 34th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.67% | 7.33% | -1.66% | 37th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 252.63% | 1396.22% | -1143.59% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.46% | 12.14% | +0.32% | 70th above |
| Equity / Assets | 9.28% | 11.38% | -2.10% | 31st below |
| TCE / Tangible Assets | 9.28% | 11.09% | -1.81% | 36th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.42% | 80.64% | -10.22% | 70th above |
| Core Deposit Ratio | 92.96% | 86.86% | +6.10% | 73rd above |
| Wholesale Funding Ratio | 3.46% | 5.03% | -1.57% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.05% | 6.86% | -6.91% | 19th bottom |
| Loan Growth (Y/Y) | 1.75% | 7.91% | -6.16% | 30th below |
| Deposit Growth (Y/Y) | 1.65% | 6.29% | -4.64% | 33rd below |
See Home Bank SB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Bank SB, 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 SB profile, how to read a UBPR, or how this data updates.