The Home National Bank of Thorntown: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Home National Bank of Thorntown of Thorntown, IN 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 | 0.99% | 1.34% | -0.35% | 33rd below |
| ROAE | 10.41% | 13.32% | -2.91% | 39th below |
| Net Interest Margin | 4.12% | 3.93% | +0.19% | 60th above |
| Efficiency Ratio | 66.40% | 61.13% | +5.27% | 36th below |
| PPNR / Avg Assets | 1.39% | 1.68% | -0.29% | 39th below |
| Yield on Earning Assets | 5.58% | 5.67% | -0.09% | 49th below |
| Cost of Funds | 1.55% | 1.88% | -0.33% | 66th above |
| Net Interest Spread | 3.61% | 3.32% | +0.29% | 65th 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. | 0.81% | 0.94% | -0.13% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.70% | -0.13% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 25th below |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| ACL / NPLs (Coverage) | 185.42% | 1546.39% | -1360.97% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.03% | 7.34% | -0.31% | 31st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 882.35% | 1395.01% | -512.66% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.37% | 12.14% | -1.77% | 39th below |
| Equity / Assets | 9.57% | 11.37% | -1.80% | 37th below |
| TCE / Tangible Assets | 9.57% | 11.08% | -1.51% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.76% | 80.66% | -2.90% | 56th above |
| Core Deposit Ratio | 92.20% | 86.85% | +5.35% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.42% | 6.84% | -3.42% | 43rd below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.43% | 7.92% | -0.49% | 62nd above |
| Deposit Growth (Y/Y) | 2.48% | 6.29% | -3.81% | 39th below |
See The Home National Bank of Thorntown's peers by name
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Unlock The Home National Bank of Thorntown, 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 The Home National Bank of Thorntown profile, how to read a UBPR, or how this data updates.