The Hometown Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Hometown Savings Bank of Terre Haute, IN 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 | 0.27% | 1.35% | -1.08% | 8th bottom |
| ROAE | 4.64% | 13.33% | -8.69% | 13th bottom |
| Net Interest Margin | 2.91% | 3.93% | -1.02% | 8th bottom |
| Efficiency Ratio | 88.10% | 61.12% | +26.98% | 7th bottom |
| PPNR / Avg Assets | 0.36% | 1.68% | -1.32% | 6th bottom |
| Yield on Earning Assets | 4.90% | 5.67% | -0.77% | 19th bottom |
| Cost of Funds | 2.08% | 1.88% | +0.20% | 33rd below |
| Net Interest Spread | 2.45% | 3.32% | -0.87% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.59% | 0.94% | -0.35% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) | 181.20% | 1546.78% | -1365.58% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.21% | 7.34% | -1.13% | 34th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 337.04% | 1395.58% | -1058.54% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.93% | 19.49% | -6.56% | 27th below |
| Tier 1 Ratio | 12.93% | 19.52% | -6.59% | 27th below |
| Total Capital Ratio | 14.10% | 20.61% | -6.51% | 27th below |
| Leverage Ratio | 8.29% | 12.14% | -3.85% | 4th bottom |
| Equity / Assets | 6.20% | 11.37% | -5.17% | 3rd bottom |
| TCE / Tangible Assets | 6.11% | 11.09% | -4.98% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.35% | 80.67% | -8.32% | 67th above |
| Core Deposit Ratio | 91.27% | 86.85% | +4.42% | 63rd above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.95% | 5.04% | -1.09% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.84% | 6.85% | -11.69% | 5th bottom |
| Loan Growth (Y/Y) | 4.09% | 7.92% | -3.83% | 43rd below |
| Deposit Growth (Y/Y) | -4.63% | 6.29% | -10.92% | 7th bottom |
See The Hometown Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Hometown 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 Hometown Savings Bank profile, how to read a UBPR, or how this data updates.