Home Bank Sb (FDIC #29881): Bank Stress & Real-Estate Credit Exposure

Home Bank Sb (FDIC Cert #29881): bank stress 80/100, severe, STABLE over 7 days.

Home Bank Sb (#29881) lends in 3 counties across 1 state; Home Bank Sb (#29881) reaches 38 ZIP codes: Indiana 3 counties, 38 ZIPs.

Home Bank Sb (#29881) largest markets: Hendricks County, IN (19 branches, 19 ZIPs) (#29881), Morgan County, IN (56 branches, 14 ZIPs) (#29881), Johnson County, IN (12 branches, 12 ZIPs) (#29881).

Home Bank Sb (#29881) reports $433.1 million in total assets; Home Bank Sb (#29881) equity $40.2 million (9.3% of Home Bank Sb (#29881) assets); Home Bank Sb (#29881) domestic deposits $370.9 million; Home Bank Sb (#29881) net income $1.4 million; Home Bank Sb (#29881) return on assets 0.65%; Home Bank Sb (#29881) return on equity 7.23%; Home Bank Sb (#29881) net interest income $7.2 million; Home Bank Sb (#29881) call report June 30, 2026.

Home Bank Sb (#29881) noncurrent real-estate loans: none reported; Home Bank Sb (#29881) net charge-offs on real estate 0.78%; Home Bank Sb (#29881) residential charge-offs 1.52%.

Home Bank Sb (#29881) net interest margin 3.66% against an eight-quarter Home Bank Sb (#29881) average of 3.31% (Home Bank Sb (#29881) compression -0.34 points); Home Bank Sb (#29881) non-residential real estate 152.0% of equity; Home Bank Sb (#29881) rate-exposure score 40/100, Home Bank Sb (#29881) fixed-rate trap 40/100; Home Bank Sb (#29881) risk type credit driven; Home Bank Sb (#29881) rate regime rates elevated, Home Bank Sb (#29881) snapshot October 19, 2026.

Home Bank Sb (#29881) stress score moved from 80.8 on June 22, 2026 to 80.1 on October 19, 2026; Home Bank Sb (#29881) ranged 80.1 to 80.8 over 116 snapshots.

Home Bank Sb (#29881) alerts: 3 counties; top Home Bank Sb (#29881) alert scores: Greenwood County, IN 26 (low); Mooresville County, IN 26 (low); Plainfield County, IN 26 (low).