Home Bank SB
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.3. A current level of 3.7 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 25.4 percent and a “hot money” ratio of 14.7 percent.
Asset Mix:
Home mtgs (32%), securities (25%), comm re (13%), cash (7%), home eq lns (6%), comm loans (1%), consumer loans (1%), other (15%)
States with Branches:
IN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
59 West Washington Street
Martinsville, IN 46151
Martinsville, IN 46151
Phone Number
(765) 342-6695
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.