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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Martinsville, IN · FDIC certificate #29881
HOME BANK SB is an FDIC-insured institution based in Martinsville, IN (FDIC certificate #29881). In its Q3 2026 Call Report it reported total assets of $437M, total deposits of $387M and net loans of $258M. Its primary federal regulator is OCC.
Plain-language readout
HOME BANK SB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $437M in Q3 2026 and were lowest at $432M in Q1 2026.
Total deposits were highest at $387M in Q3 2026 and lowest at $369M in Q1 2026.
Over the whole period total assets rose 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $437M | $387M | $258M | 0.68% | 7.71% | 3.70% |
| Q2 2026 | $433M | $371M | $258M | 0.65% | 7.23% | 3.66% |
| Q1 2026 | $432M | $369M | $257M | 0.61% | 6.91% | 3.58% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $30.4M | $30.5M | -$109K | -0.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $108.0M | $107.5M | +$489K | +0.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $431K | $633K | -$202K | -31.9% |
| Net loans and leases (after allowance) | $257.8M | $256.5M | +$1.3M | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.0M | $14.0M | +$4K | +0.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $294K | $331K | -$37K | -11.2% |
| All other assets | $22.2M | $22.2M | -$28K | -0.1% |
| Total assets | $433.1M | $431.7M | +$1.4M | +0.3% |
| Liabilities | ||||
| Total deposits | $370.9M | $368.9M | +$2.0M | +0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.0M | $20.0M | -$5.0M | -25.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $7.0M | $4.6M | +$2.4M | +51.9% |
| Total liabilities | $392.9M | $393.5M | -$598K | -0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $56.5M | $55.8M | +$746K | +1.3% |
| Accumulated other comprehensive income | -$16.4M | -$17.6M | +$1.3M | +7.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $40.2M | $38.2M | +$2.0M | +5.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.3M | $1.8M | +$443K | +24.5% |
| Adjusted nonperforming assets | $2.3M | $1.8M | +$443K | +24.5% |
| Tangible equity plus allowance | $42.8M | $40.7M | +$2.1M | +5.2% |
| Texas ratio (gross) | 5.26% | 4.45% | +0.81 pts | See points |
| Texas ratio (adjusted) | 5.26% | 4.45% | +0.81 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.71% | 5.17% | +0.54 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.46% | 12.21% | +0.25 pts | See points |
| Construction and land loans to total capital | 30.28% | 29.79% | +0.48 pts | See points |
| Commercial real estate to total capital | 109.04% | 109.15% | -0.11 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -36.64% | -40.06% | +3.42 pts | See points |
| Liquidity | ||||
| Core deposits | $344.8M | $343.7M | +$1.1M | +0.3% |
| Non-core funding | $41.1M | $45.2M | -$4.1M | -9.1% |
| Loans to core deposits | 75.62% | 75.46% | +0.16 pts | See points |
| Loans to deposits | 70.30% | 70.31% | -0.01 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 36.21% | 37.18% | -0.97 pts | See points |
| Loans pledged, share of loans | 31.47% | 31.33% | +0.14 pts | See points |
| Volatile liabilities | $41.1M | $45.2M | -$4.1M | -9.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.6M | $745K | +$900K | +120.8% |
| Earnings before provision, single quarter | $900K | $745K | +$155K | +20.8% |
| Provision for credit losses, year to date | $96K | $24K | +$72K | +300.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.91% | 5.81% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.58% | 3.04% | +0.55 pts | See points |
| Total interest income to average assets | 4.29% | 4.18% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.87% | 0.73% | +0.15 pts | See points |
| Cost of savings and money market deposits | 1.01% | 1.14% | -0.13 pts | See points |
| Cost of time deposits | 2.93% | 2.95% | -0.02 pts | See points |
| Total interest expense to average assets | 1.05% | 1.10% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $437M | $387M | $258M | 0.68% | 7.71% | 3.70% |
| 2026-06-30 | $433M | $371M | $258M | 0.65% | 7.23% | 3.66% |
| 2026-03-31 | $432M | $369M | $257M | 0.61% | 6.91% | 3.58% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $364.9M | 0.17% | 66 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.