The Hometown Savings Bank: how it compares with its peers
Against 44 IN banks with half to twice its assets, The Hometown Savings Bank's strongest measure in Q2 2026 is net interest margin (2.95% vs. a 3.70% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $6.3M).
| Measure | The Hometown Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.22% | 1.09% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.95% | 3.70% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 92.27% | 64.48% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $6.3M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.57% | 81.94% | Context |
What it means for lending operations
Its efficiency ratio of 92.27% is above the 64.48% 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
- Alliance Bank Francesville, IN · $455M
- The Bippus State Bank Huntington, IN · $459M
- Security Federal Savings Bank Logansport, IN · $464M
- Home Bank SB Martinsville, IN · $433M
- The First National Bank of Monterey Monterey, IN · $431M
- Kentland Bank Kentland, IN · $419M
Questions about The Hometown Savings Bank
How big is The Hometown Savings Bank?
The Hometown Savings Bank, established in 1869, is headquartered in Terre Haute, IN. It reported $456M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is The Hometown Savings Bank's return on assets?
0.22% annualized in Q2 2026, against a 1.09% median for 44 IN banks with half to twice its assets, ahead of 2% of them.
What is The Hometown Savings Bank's efficiency ratio?
92.27% in Q2 2026: it spent about 92 cents in noninterest expense for each dollar of revenue. The peer median is 64.48%, and lower is better.
Is The Hometown Savings Bank growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits shrank 4.6%.
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 IN 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 Indiana bank ranked.