Home National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home National Bank of Racine, OH against its peer group of 536 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 | 0.98% | 3.14% | -2.16% | 47th below |
| ROAE | 10.89% | 10.42% | +0.47% | 63rd above |
| Net Interest Margin | 4.87% | 3.93% | +0.94% | 83rd top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 75.37% | 76.30% | -0.93% | 40th below |
| PPNR / Avg Assets | 1.20% | 1.40% | -0.20% | 49th below |
| Yield on Earning Assets | 6.57% | 5.35% | +1.22% | 89th top |
| Cost of Funds | 1.80% | 1.70% | +0.10% | 37th below |
| Net Interest Spread | 4.18% | 3.31% | +0.87% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.85% | 1.34% | +1.51% | 11th bottom |
| NPA / Total Assets | 1.73% | 0.71% | +1.02% | 11th bottom |
| NCO / Avg Loans | 0.18% | 0.10% | +0.08% | 11th bottom |
| ACL / Total Loans | 1.69% | 1.49% | +0.20% | 75th top |
| ACL / NPLs (Coverage) | 59.39% | 867.29% | -807.90% | 24th bottom |
| Texas Ratio | 17.23% | 8.23% | +9.00% | 10th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 130.38% | 315.56% | -185.18% | 72nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.46% | 17.62% | -7.16% | 23rd bottom |
| Equity / Assets | 9.11% | 16.44% | -7.33% | 18th bottom |
| TCE / Tangible Assets | 9.11% | 16.19% | -7.08% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 68.41% | 72.84% | -4.43% | 47th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.58% | 88.21% | +0.37% | 34th below |
| Wholesale Funding Ratio | 1.70% | 5.30% | -3.60% | 71st above |
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. | 3.98% | 4.30% | -0.32% | 57th above |
| Loan Growth (Y/Y) | 1.29% | 6.74% | -5.45% | 46th below |
| Deposit Growth (Y/Y) | 5.93% | 3.76% | +2.17% | 69th above |
See Home National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home National Bank, 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 National Bank profile, how to read a UBPR, or how this data updates.