Home Bank SB: how it compares with its peers
Against 43 IN banks with half to twice its assets, Home Bank SB's strongest measure in Q2 2026 is net interest margin (3.66% vs. a 3.68% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.2M).
| Measure | Home Bank SB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.65% | 1.09% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 3.68% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 82.49% | 64.53% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.2M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.63% | 82.03% | Context |
What it means for lending operations
Its efficiency ratio of 82.49% is above the 64.53% 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
- The First National Bank of Monterey Monterey, IN · $431M
- Kentland Bank Kentland, IN · $419M
- First National Bank Cloverdale, IN · $419M
- Alliance Bank Francesville, IN · $455M
- The Hometown Savings Bank Terre Haute, IN · $456M
- The Bippus State Bank Huntington, IN · $459M
Questions about Home Bank SB
How big is Home Bank SB?
Home Bank SB, established in 1890, is headquartered in Martinsville, IN. It reported $433M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Home Bank SB's return on assets?
0.65% annualized in Q2 2026, against a 1.09% median for 43 IN banks with half to twice its assets, ahead of 12% of them.
What is Home Bank SB's efficiency ratio?
82.49% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 64.53%, and lower is better.
Is Home Bank SB growing its loans?
Net loans grew 1.7% over the year to Q2 2026, while deposits grew 1.6%.
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.