The Home Trust & Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Home Trust & Savings Bank of Osage, IA 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 | 1.41% | 1.35% | +0.06% | 58th above |
| ROAE | 14.99% | 12.05% | +2.94% | 66th above |
| Net Interest Margin | 2.79% | 3.90% | -1.11% | 6th bottom |
| Efficiency Ratio | 44.76% | 63.16% | -18.40% | 90th top |
| PPNR / Avg Assets | 1.45% | 1.64% | -0.19% | 42nd below |
| Yield on Earning Assets | 4.98% | 5.65% | -0.67% | 23rd bottom |
| Cost of Funds | 2.43% | 1.85% | +0.58% | 17th bottom |
| Net Interest Spread | 2.25% | 3.35% | -1.10% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.92% | -0.84% | 75th top |
| NPA / Total Assets | 0.20% | 0.67% | -0.47% | 60th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 52nd above |
| ACL / NPLs (Coverage) | 1468.57% | 1645.21% | -176.64% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.74% | 7.15% | -0.41% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 928.57% | 1189.36% | -260.79% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.11% | 20.83% | -5.72% | 50th above |
| Tier 1 Ratio | 15.11% | 20.87% | -5.76% | 49th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.33% | 21.94% | -5.61% | 50th above |
| Leverage Ratio | 10.83% | 12.46% | -1.63% | 47th below |
| Equity / Assets | 9.86% | 11.67% | -1.81% | 42nd below |
| TCE / Tangible Assets | 9.86% | 11.40% | -1.54% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.82% | 78.64% | +5.18% | 43rd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.92% | 87.09% | +1.83% | 49th below |
| Wholesale Funding Ratio | 1.74% | 5.11% | -3.37% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.88% | 6.48% | -5.60% | 25th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.86% | 7.64% | -1.78% | 53rd above |
| Deposit Growth (Y/Y) | 2.33% | 6.02% | -3.69% | 37th below |
See The Home Trust & Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Home Trust & 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 The Home Trust & Savings Bank profile, how to read a UBPR, or how this data updates.