Home Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Banking Company of Selmer, TN 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 | 0.22% | 1.35% | -1.13% | 7th bottom |
| ROAE | 2.61% | 12.06% | -9.45% | 8th bottom |
| Net Interest Margin | 3.63% | 3.90% | -0.27% | 33rd below |
| Efficiency Ratio | 94.10% | 63.14% | +30.96% | 4th bottom |
| PPNR / Avg Assets | 0.21% | 1.64% | -1.43% | 4th bottom |
| Yield on Earning Assets | 5.15% | 5.65% | -0.50% | 29th below |
| Cost of Funds | 1.59% | 1.85% | -0.26% | 64th above |
| Net Interest Spread | 2.83% | 3.35% | -0.52% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 0.92% | +0.20% | 25th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.67% | -0.10% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 23rd bottom |
| ACL / Total Loans | 0.90% | 1.28% | -0.38% | 17th bottom |
| ACL / NPLs (Coverage) | 80.48% | 1645.80% | -1565.32% | 21st bottom |
| Texas Ratio | 8.10% | 7.15% | +0.95% | 28th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 612.50% | 1189.55% | -577.05% | 75th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.08% | 12.46% | -2.38% | 34th below |
| Equity / Assets | 8.96% | 11.67% | -2.71% | 27th below |
| TCE / Tangible Assets | 8.82% | 11.40% | -2.58% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 56.16% | 78.65% | -22.49% | 87th top |
| Core Deposit Ratio | 79.26% | 87.10% | -7.84% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.74% | 6.48% | -9.22% | 9th bottom |
| Loan Growth (Y/Y) | 0.47% | 7.64% | -7.17% | 24th bottom |
| Deposit Growth (Y/Y) | -3.81% | 6.03% | -9.84% | 9th bottom |
See Home Banking Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Banking 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 Banking Company profile, how to read a UBPR, or how this data updates.