Home State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home State Bank of Litchfield, MN 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 | 1.14% | 1.34% | -0.20% | 41st below |
| ROAE | 15.55% | 13.31% | +2.24% | 69th above |
| Net Interest Margin | 3.85% | 3.93% | -0.08% | 45th below |
| Efficiency Ratio | 70.30% | 61.14% | +9.16% | 27th below |
| PPNR / Avg Assets | 1.16% | 1.68% | -0.52% | 27th below |
| Yield on Earning Assets | 4.94% | 5.67% | -0.73% | 21st bottom |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 75th top |
| NPA / Total Assets | 0.05% | 0.70% | -0.65% | 78th top |
| NCO / Avg Loans | 0.18% | 0.16% | +0.02% | 13th bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 1397.00% | 1538.71% | -141.71% | — |
| Texas Ratio | 0.54% | 7.33% | -6.79% | 79th top |
| Provision / NCO | 141.79% | 1395.89% | -1254.10% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.89% | 19.50% | -3.61% | 57th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.89% | 19.54% | -3.65% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.71% | 20.62% | -3.91% | 54th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.81% | 12.14% | -0.33% | 63rd above |
| Equity / Assets | 7.90% | 11.38% | -3.48% | 13th bottom |
| TCE / Tangible Assets | 7.90% | 11.09% | -3.19% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.90% | 80.64% | -17.74% | 80th top |
| Core Deposit Ratio | 95.09% | 86.86% | +8.23% | 84th top |
| Wholesale Funding Ratio | 2.56% | 5.03% | -2.47% | 61st 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. | 4.44% | 6.85% | -2.41% | 50th above |
| Loan Growth (Y/Y) | 1.59% | 7.90% | -6.31% | 29th below |
| Deposit Growth (Y/Y) | 8.72% | 6.29% | +2.43% | 79th top |
See Home State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home State 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 State Bank profile, how to read a UBPR, or how this data updates.