Homebank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Homebank of Palmyra, MO against its peer group of 2757 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 | 2.26% | 1.25% | +1.01% | 91st top |
| ROAE | 24.42% | 12.22% | +12.20% | 95th top |
| Net Interest Margin | 4.68% | 3.95% | +0.73% | 85th top |
| Efficiency Ratio | 54.08% | 63.71% | -9.63% | 71st above |
| PPNR / Avg Assets | 2.34% | — | — | 84th top |
| Yield on Earning Assets | 6.64% | 5.67% | +0.97% | 90th top |
| Cost of Funds | 2.06% | 1.87% | +0.19% | 33rd below |
| Net Interest Spread | 4.09% | — | — | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 0.88% | -0.59% | 58th above |
| NPA / Total Assets | 0.25% | — | — | 56th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 51st above |
| ACL / Total Loans | 1.00% | — | — | 26th below |
| ACL / NPLs (Coverage) | 341.52% | — | — | 62nd above |
| Texas Ratio | 2.44% | 5.96% | -3.52% | 53rd above |
| Provision / NCO | 13600.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.61% | 11.75% | -2.14% | 23rd bottom |
| Equity / Assets | 9.38% | 10.98% | -1.60% | 33rd below |
| TCE / Tangible Assets | 9.38% | — | — | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.49% | 80.44% | +23.05% | 8th bottom |
| Core Deposit Ratio | 94.10% | 86.95% | +7.15% | 80th top |
| Wholesale Funding Ratio | 7.02% | — | — | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.22% | — | — | 88th top |
| Loan Growth (Y/Y) | 14.95% | — | — | 85th top |
| Deposit Growth (Y/Y) | 10.77% | — | — | 85th top |
See Homebank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Homebank, 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 Homebank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Homebank peer analysis.