HomeBank: how it compares with its peers
Against 62 MO banks with half to twice its assets, HomeBank's strongest measure in Q2 2026 is net interest margin (4.73% vs. a 4.16% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $6.9M).
| Measure | HomeBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.60% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 4.16% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.35% | 54.86% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.9M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.45% | 89.03% | Context |
What it means for lending operations
Its efficiency ratio of 55.35% is above the 54.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Midwest Bank of the Ozarks Poplar Bluff, MO · $733M
- Peoples Community Bank Greenville, MO · $735M
- Town & Country Bank Salem, MO · $748M
- West Plains Bank and Trust Company West Plains, MO · $768M
- Bank of Odessa Odessa, MO · $667M
- MRV Banks Sainte Genevieve, MO · $803M
Questions about HomeBank
How big is HomeBank?
HomeBank, established in 1934, is headquartered in Palmyra, MO. It reported $733M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is HomeBank's return on assets?
2.12% annualized in Q2 2026, against a 1.60% median for 62 MO banks with half to twice its assets, ahead of 76% of them.
What is HomeBank's efficiency ratio?
55.35% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 54.86%, and lower is better.
Is HomeBank growing its loans?
Net loans grew 15.0% over the year to Q2 2026, while deposits grew 10.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.