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Homepride Bank

Mansfield, MO · Cert 11466 · Banc 60 Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$125.3MAssets
$94.9MLoans
$112.0MDeposits
$12.7MEquity
Loan mix
93%RE $87.1M4%C&I $3.6M3%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $81.5M27%Noninterest $30.4MQ2 2025Q2 2026

NIM

5.57%Q2 ’245.88%Q2 ’255.89%Q2 ’26+9%+5%

Non-interest income vs. expense

3.09%Q2 ’243.44%Q2 ’253.72%Q2 ’26+10%+12%

Market Position · Springfield, MO · 2026 SOD (annual) · 0.2% share · #39 of 41 inst. · $0.0B of $17.8B

12.4% Wright
4.2% Webster
5.4% Douglas

Executive Summary

  • Earnings: ROA of 0.61%, down 15 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.50% of loans (+16 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.31%, up 34 bps from a year ago.
  • Funding: loans stand at 84.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+21 bps YoY

Efficiency Ratio (YTD, annualized)

82.18%+395 bps YoY

Tier 1 Leverage Ratio

10.31%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.65%0.69%0.49%0.61%-15 bps
Return on Equity7.86%6.68%7.02%4.92%6.09%-177 bps
Net Interest Margin3.93%3.95%4.04%4.02%4.14%+21 bps
Efficiency Ratio78.23%80.04%79.91%83.99%82.18%+395 bps
Non-Interest Burden2.97%3.07%3.12%3.31%3.33%+36 bps
Growth
Asset Growth (YoY)-0.05%2.14%4.59%0.36%1.13%+118 bps
Loan Growth (YoY)-0.78%-0.37%-2.77%-2.27%-3.20%-242 bps
Deposit Growth (YoY)4.40%5.39%9.04%3.53%3.57%-82 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.34%0.40%0.38%0.50%+16 bps
Net Charge-Offs / Loans0.01%0.10%0.08%0.02%0.01%0 bps
Allowance / Loans1.24%1.23%1.26%1.27%1.27%+3 bps
Allowance Coverage of NPLs3.7x3.6x3.1x3.3x2.5x-1.1x
Capital
Tier 1 Leverage Ratio9.97%9.99%10.26%10.24%10.31%+34 bps
Total Risk-Based Capital9.97%9.99%10.26%10.24%10.31%+34 bps
Equity / Assets9.80%10.04%10.04%10.01%10.15%+34 bps
Liquidity & Funding
Loans / Deposits90.73%89.88%86.70%84.91%84.80%-593 bps
Liquid Assets / Assets9.40%9.24%12.03%11.53%12.07%+267 bps
CRE / Total Capitaln/a107.78%109.58%119.85%n/an/a