Home Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Savings Bank of Chanute, KS 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 | 1.01% | 1.34% | -0.33% | 34th below |
| ROAE | 6.00% | 13.32% | -7.32% | 17th bottom |
| Net Interest Margin | 4.00% | 3.93% | +0.07% | 53rd above |
| Efficiency Ratio | 66.97% | 61.13% | +5.84% | 35th below |
| PPNR / Avg Assets | 1.30% | 1.68% | -0.38% | 34th below |
| Yield on Earning Assets | 5.72% | 5.67% | +0.05% | 56th above |
| Cost of Funds | 2.06% | 1.88% | +0.18% | 34th below |
| Net Interest Spread | 3.51% | 3.32% | +0.19% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 71st above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.42% | 1.28% | +0.14% | 73rd above |
| ACL / NPLs (Coverage) | 1229.76% | 1546.16% | -316.40% | — |
| Texas Ratio | 0.41% | 7.34% | -6.93% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.28% | 19.48% | +9.80% | 92nd top |
| Tier 1 Ratio | 29.28% | 19.52% | +9.76% | 92nd top |
| Total Capital Ratio | 30.54% | 20.60% | +9.94% | 92nd top |
| Leverage Ratio | 16.73% | 12.14% | +4.59% | 92nd top |
| Equity / Assets | 16.99% | 11.36% | +5.63% | 93rd top |
| TCE / Tangible Assets | 16.99% | 11.08% | +5.91% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.40% | 80.66% | -0.26% | 50th above |
| Core Deposit Ratio | 65.83% | 86.85% | -21.02% | 3rd bottom |
| Wholesale Funding Ratio | 3.48% | 5.04% | -1.56% | 51st 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. | 4.64% | 6.84% | -2.20% | 52nd above |
| Loan Growth (Y/Y) | -2.93% | 7.92% | -10.85% | 12th bottom |
| Deposit Growth (Y/Y) | 8.73% | 6.29% | +2.44% | 79th top |
See Home Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.