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Homebank

Palmyra, MO · Cert 14492 · Byron B Webb Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

79

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Homebank

Palmyra, MO · Cert 14492 · Byron B Webb Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$733.3MAssets
$625.3MLoans
$604.3MDeposits
$68.8MEquity
Loan mix
76%RE $403.6M22%C&I $118.0M2%Consumer $9.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $484.0M20%Noninterest $120.2MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #86 of 111 inst. · $0.1B of $141.7B

27.0% Marion
8.4% Adams
0.6% St. Charles
0.7% Boone

Executive Summary

  • Earnings: ROA of 1.66%, up 11 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.29% of loans (-41 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.61%, down 16 bps from a year ago.
  • Funding: loans stand at 103.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.66%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+15 bps YoY

Efficiency Ratio (YTD, annualized)

55.35%-270 bps YoY

Tier 1 Leverage Ratio

9.61%-16 bps YoY

NIM

5.59%Q2 ’246.09%Q2 ’256.10%Q2 ’26+10%+4%

Non-interest income vs. expense

2.81%Q2 ’242.75%Q2 ’252.73%Q2 ’26-3%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.24%1.48%1.55%1.60%1.50%1.54%1.66%+11 bps
Return on Equity13.13%13.82%16.23%16.85%17.24%16.19%16.81%17.99%+114 bps
Net Interest Margin3.76%3.79%4.08%4.17%4.21%4.14%4.40%4.32%+15 bps
Efficiency Ratio64.51%62.57%59.68%58.06%57.39%57.65%56.57%55.35%-270 bps
Non-Interest Burden2.23%2.16%2.22%2.18%2.16%2.14%2.26%2.12%-7 bps
Growth
Asset Growth (YoY)11.21%12.03%13.22%4.42%4.39%9.13%10.43%12.22%+780 bps
Loan Growth (YoY)7.49%12.24%9.45%6.92%8.94%9.29%15.06%14.95%+804 bps
Deposit Growth (YoY)5.54%7.67%11.44%6.28%5.17%11.09%8.90%10.77%+449 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.79%1.62%0.70%0.64%0.60%0.54%0.29%-41 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.01%1.00%1.00%1.00%1.00%1.01%0.99%1.00%0 bps
Allowance Coverage of NPLs43.1x1.3x0.6x1.4x1.6x1.7x1.8x3.4x+2.0x
Capital
Tier 1 Leverage Ratio9.59%9.65%9.56%9.76%9.81%9.64%9.65%9.61%-16 bps
Total Risk-Based Capital9.59%9.65%9.56%9.76%9.81%9.64%9.65%9.61%-16 bps
Equity / Assets9.17%9.02%9.17%9.44%9.59%9.19%9.20%9.38%-6 bps
Liquidity & Funding
Loans / Deposits98.27%98.95%97.32%99.72%101.79%97.35%102.83%103.49%+377 bps
Liquid Assets / Assets4.46%3.43%5.81%3.84%3.96%5.98%4.36%3.75%-9 bps
CRE / Total Capitaln/an/an/an/a237%252%249%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Homebank

Palmyra, MO · Cert 14492 · Peer group: banks under $1B in assets operating regionally (n=94) · Byron B Webb Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$733.3MAssets
$625.3MLoans
$604.3MDeposits
$68.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets operating regionally (rank 3 of 94).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets operating regionally (rank 85 of 94).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.64%

Rank 10 of 94

Net Interest Margin

4.32%

Rank 17 of 94

Efficiency Ratio

55.35%

Rank 21 of 94

Equity / Assets

9.38%

Rank 66 of 94

Non-interest income vs. expense

$4.5M$20.0MINCOMEEXPENSE
Unfavorable gap of $15.5M · efficiency ratio beats 79% of banks under $1B in assets operating regionally
Bank 55.35%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.64%0.82%1.19%1.46%Beats 89%10 / 94
Return on Equity17.53%7.85%11.84%14.03%Beats 97%3 / 94
Net Interest Margin4.32%3.42%3.81%4.18%Beats 82%17 / 94
Efficiency Ratio55.35%55.99%62.41%73.02%Beats 79%21 / 94
Asset Quality
Nonperforming Loans / Loans0.29%0.19%0.47%1.14%Beats 63%36 / 94
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 87%17 / 94
Capital
Tier 1 Capital Ratio9.61%10.28%11.95%15.07%Beats 11%84 / 94
Total Risk-Based Capital Ratio9.61%10.31%12.59%15.88%Beats 10%85 / 94
Equity / Assets9.38%8.98%10.21%11.41%Beats 30%66 / 94
Liquidity & Funding
Loans / Deposits103.49%72.62%84.44%94.55%89th pctl10 / 94
Loans / Assets85.27%62.50%72.84%78.99%87th pctl12 / 94
Brokered Deposits / Depositsn/aNot reported for this institution