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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