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Hometown Savings Bank, The

Terre Haute, IN · Cert 17736 · Terre Haute Savings MHC Inc.

SI · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

10

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

Hometown Savings Bank, The

Terre Haute, IN · Cert 17736 · Terre Haute Savings MHC Inc.

SI · FDIC · 8 branches

Q2 2026

$455.7MAssets
$293.9MLoans
$406.3MDeposits
$28.2MEquity
Loan mix
95%RE $268.5M4%C&I $11.2M1%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $344.8M15%Noninterest $61.5MQ2 2025Q2 2026

NIM

4.01%Q2 ’244.28%Q2 ’254.50%Q2 ’26+19%+20%

Non-interest income vs. expense

3.21%Q2 ’243.35%Q2 ’253.35%Q2 ’26+8%-2%

Market Position · Terre Haute, IN · 2026 SOD (annual) · 9.8% share · #3 of 8 inst. · $0.4B of $4.0B

12.4% Vigo
8.0% Clay
1.4% Vermilion

Executive Summary

  • Earnings: ROA of 0.22%, up 36 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.59% of loans (-19 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.29%, up 24 bps from a year ago.
  • Funding: loans stand at 72.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%+36 bps YoY

Net Interest Margin (YTD, annualized)

2.64%+43 bps YoY

Efficiency Ratio (YTD, annualized)

92.27%-1,436 bps YoY

Tier 1 Leverage Ratio

8.29%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.14%-0.06%0.02%0.15%0.22%+36 bps
Return on Equity-2.77%-1.13%0.43%2.50%3.56%+632 bps
Net Interest Margin2.21%2.32%2.39%2.58%2.64%+43 bps
Efficiency Ratio106.63%102.88%100.21%94.97%92.27%-1,436 bps
Non-Interest Burden2.42%2.42%2.41%2.41%2.36%-6 bps
Growth
Asset Growth (YoY)1.54%-1.43%-2.86%-1.77%-4.84%-638 bps
Loan Growth (YoY)7.92%7.90%7.23%8.48%4.09%-382 bps
Deposit Growth (YoY)5.87%-0.84%-4.52%-1.07%-4.63%-1,050 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.79%0.60%0.58%0.59%-19 bps
Net Charge-Offs / Loans0.03%0.03%0.03%0.02%0.02%-1 bps
Allowance / Loans1.08%1.08%1.05%1.04%1.07%-1 bps
Allowance Coverage of NPLs1.4x1.4x1.7x1.8x1.8x+0.4x
Capital
Tier 1 Leverage Ratio8.04%8.14%8.21%8.24%8.29%+24 bps
Total Risk-Based Capital13.90%14.17%13.96%13.93%14.10%+20 bps
Equity / Assets5.16%5.81%6.16%5.94%6.20%+103 bps
Liquidity & Funding
Loans / Deposits66.29%71.53%74.07%71.62%72.35%+606 bps
Liquid Assets / Assets6.94%2.91%2.20%2.79%2.62%-432 bps
CRE / Total Capitaln/a270%275%280%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

Hometown Savings Bank, The

Terre Haute, IN · Cert 17736 · Peer group: banks under $1B in assets (n=581-629) · Terre Haute Savings MHC Inc.

SI · FDIC · 8 branches

Q2 2026

$455.7MAssets
$293.9MLoans
$406.3MDeposits
$28.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 48% of banks under $1B in assets (rank 303 of 581).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets (rank 617 of 629).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.22%

Rank 560 of 629

Net Interest Margin

2.64%

Rank 552 of 629

Efficiency Ratio

92.87%

Rank 565 of 629

Equity / Assets

6.20%

Rank 617 of 629

Non-interest income vs. expense

$4.7M$15.9MINCOMEEXPENSE
Unfavorable gap of $11.2M · efficiency ratio beats 10% of banks under $1B in assets
Bank 92.87%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.22%0.60%1.01%1.45%Beats 11%560 / 629
Return on Equity3.52%5.38%9.30%13.28%Beats 17%523 / 629
Net Interest Margin2.64%3.03%3.54%4.05%Beats 12%552 / 629
Efficiency Ratio92.87%58.35%67.79%79.08%Beats 10%565 / 629
Asset Quality
Nonperforming Loans / Loans0.59%0.09%0.46%1.20%Beats 44%328 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 48%303 / 581
Capital
Tier 1 Capital Ratio12.93%11.24%13.84%18.77%Beats 43%361 / 629
Total Risk-Based Capital Ratio14.10%11.58%14.43%19.66%Beats 47%334 / 629
Equity / Assets6.20%9.09%10.65%13.80%Beats 2%617 / 629
Liquidity & Funding
Loans / Deposits72.35%67.24%80.90%93.48%34th pctl392 / 594
Loans / Assets64.51%53.31%67.71%78.15%43rd pctl358 / 629
Brokered Deposits / Depositsn/aNot reported for this institution