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Home State Bank

Jefferson, IA · Cert 14867 · Greene Investment Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

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 in IA (n=134 to 135). 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

27

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

Home State Bank

Jefferson, IA · Cert 14867 · Greene Investment Co.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$480.7MAssets
$388.6MLoans
$436.9MDeposits
$41.5MEquity
Loan mix
78%RE $268.4M21%C&I $71.1M1%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $349.7M20%Noninterest $87.3MQ2 2025Q2 2026

NIM

5.92%Q2 ’246.02%Q2 ’255.76%Q2 ’26+10%-3%

Non-interest income vs. expense

2.62%Q2 ’242.80%Q2 ’252.58%Q2 ’26+5%-12%

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.1% share · #48 of 57 inst. · $0.0B of $38.0B

60.7% Greene
0.1% Polk

Executive Summary

  • Earnings: ROA of -0.27%, down 127 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 2.21% of loans (+221 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.91%, down 41 bps from a year ago.
  • Funding: loans stand at 88.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.27%-127 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-12 bps YoY

Efficiency Ratio (YTD, annualized)

62.00%-417 bps YoY

Tier 1 Leverage Ratio

8.91%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.01%0.92%-1.27%-0.27%-127 bps
Return on Equity11.61%11.73%10.63%-14.57%-3.15%-1,476 bps
Net Interest Margin3.55%3.64%3.45%3.51%3.43%-12 bps
Efficiency Ratio66.17%64.92%63.43%60.13%62.00%-417 bps
Non-Interest Burden2.14%2.14%1.96%1.82%1.88%-27 bps
Growth
Asset Growth (YoY)3.92%7.30%6.97%9.37%8.49%+457 bps
Loan Growth (YoY)6.15%7.83%8.06%9.71%9.55%+341 bps
Deposit Growth (YoY)5.31%8.64%6.90%9.40%8.54%+323 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.32%2.21%2.58%2.21%+221 bps
Net Charge-Offs / Loans-0.05%-0.03%0.03%0.00%0.02%+7 bps
Allowance / Loans1.32%1.36%1.55%2.42%2.61%+129 bps
Allowance Coverage of NPLsn/a4.2x0.7x0.9x1.2xn/a
Capital
Tier 1 Leverage Ratio9.32%9.49%9.16%9.11%8.91%-41 bps
Total Risk-Based Capital11.59%11.33%11.31%11.40%11.31%-28 bps
Equity / Assets8.65%8.69%8.84%8.57%8.64%-1 bps
Liquidity & Funding
Loans / Deposits88.11%88.14%88.96%87.17%88.93%+82 bps
Liquid Assets / Assets5.89%6.14%5.14%7.60%6.06%+17 bps
CRE / Total Capitaln/a438%456%470%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

Home State Bank

Jefferson, IA · Cert 14867 · Peer group: banks under $1B in assets in IA (n=134-135) · Greene Investment Co.

State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)

Q2 2026

$480.7MAssets
$388.6MLoans
$436.9MDeposits
$41.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 51% of banks under $1B in assets in IA (rank 66 of 135).
  • Widest gap: return on equity trails 99% of banks under $1B in assets in IA (rank 133 of 135).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.27%

Rank 132 of 135

Net Interest Margin

3.43%

Rank 66 of 135

Efficiency Ratio

62.46%

Rank 99 of 135

Equity / Assets

8.64%

Rank 120 of 135

Non-interest income vs. expense

$3.4M$12.5MINCOMEEXPENSE
Unfavorable gap of $9.1M · efficiency ratio beats 27% of banks under $1B in assets in IA
Bank 62.46%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.27%0.92%1.19%1.47%Beats 2%132 / 135
Return on Equity-3.13%7.99%10.26%13.14%Beats 1%133 / 135
Net Interest Margin3.43%2.95%3.41%3.73%Beats 51%66 / 135
Efficiency Ratio62.46%50.61%57.35%63.29%Beats 27%99 / 135
Asset Quality
Nonperforming Loans / Loans2.21%0.03%0.51%1.26%Beats 10%121 / 134
Net Charge-Offs / Loans0.01%n/a0.01%0.03%Beats 38%84 / 134
Capital
Tier 1 Capital Ratio10.04%11.23%13.31%15.45%Beats 7%126 / 135
Total Risk-Based Capital Ratio11.31%11.61%14.06%16.47%Beats 21%106 / 135
Equity / Assets8.64%9.87%11.05%13.07%Beats 11%120 / 135
Liquidity & Funding
Loans / Deposits88.93%68.54%81.55%91.24%66th pctl46 / 134
Loans / Assets80.83%57.61%68.06%76.23%87th pctl18 / 135
Brokered Deposits / Depositsn/aNot reported for this institution