Home Bank SB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 15.63 percentage points lower than in Q1 2026, at 123.77%. Home Bank SB ranks 70th of 87 Indiana banks on return on assets, in the lower half at 0.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Home Bank SB sits 0.60 points lower, at 0.66% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.46% |
| Equity capital to assets | 9.28% |
| Tangible equity to tangible assets | 9.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.67% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 123.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 7.60% |
| Net interest margin | 3.59% |
| Efficiency ratio | 79.84% |
| Yield on earning assets | 4.72% |
| Cost of funds | 1.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.42% |
| Core deposits to total deposits | 92.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.63% |
| Securities to assets | 24.93% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.48% | 0.43% | 3.14% | 0.65% | 0.10% |
| Q4 2023 | 11.46% | 0.32% | 2.93% | 0.68% | 0.02% |
| Q1 2024 | 11.28% | 0.28% | 2.85% | 0.62% | 0.05% |
| Q2 2024 | 11.71% | 0.36% | 3.13% | 0.58% | -0.03% |
| Q3 2024 | 12.01% | 0.44% | 3.13% | 0.52% | 0.09% |
| Q4 2024 | 12.02% | 0.41% | 3.02% | 0.67% | 0.03% |
| Q1 2025 | 11.92% | 0.22% | 3.02% | 0.80% | 0.03% |
| Q2 2025 | 11.96% | 0.48% | 3.24% | 1.30% | -0.11% |
| Q3 2025 | 11.87% | 0.65% | 3.31% | 0.35% | 0.04% |
| Q4 2025 | 12.26% | 0.78% | 3.47% | 0.98% | 0.03% |
| Q1 2026 | 12.21% | 0.58% | 3.41% | 0.79% | 0.04% |
| Q2 2026 | 12.46% | 0.66% | 3.59% | 0.91% | 0.02% |
Home Bank SB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank SB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home Bank SB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29881) · FFIEC NIC profile (RSSD 1015270)