Home State BANK/N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home State BANK/N.A. of Crystal Lake, IL 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 | 1.53% | 1.34% | +0.19% | 65th above |
| ROAE | 14.69% | 13.31% | +1.38% | 64th above |
| Net Interest Margin | 4.13% | 3.93% | +0.20% | 61st above |
| Efficiency Ratio | 67.25% | 61.13% | +6.12% | 34th below |
| PPNR / Avg Assets | 1.58% | 1.68% | -0.10% | 49th below |
| Yield on Earning Assets | 5.32% | 5.67% | -0.35% | 36th below |
| Cost of Funds | 1.02% | 1.88% | -0.86% | 91st top |
| Net Interest Spread | 3.48% | 3.32% | +0.16% | 59th above |
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% | 77th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 86th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) | 1533.09% | 1538.68% | -5.59% | — |
| Texas Ratio | 0.51% | 7.34% | -6.83% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.60% | 19.50% | -1.90% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.60% | 19.54% | -1.94% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.85% | 20.62% | -1.77% | 67th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.79% | 12.14% | -0.35% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.55% | 11.37% | -0.82% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.55% | 11.09% | -0.54% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.41% | 80.64% | -5.23% | 61st above |
| Core Deposit Ratio | 95.11% | 86.85% | +8.26% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.98% | 6.86% | -4.88% | 32nd below |
| Loan Growth (Y/Y) | 4.83% | 7.91% | -3.08% | 47th below |
| Deposit Growth (Y/Y) | 1.13% | 6.29% | -5.16% | 30th below |
See Home State BANK/N.A.'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/N.A., 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/N.A. profile, how to read a UBPR, or how this data updates.