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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 $3.5MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $344.8M15%Noninterest $61.5MQ3 2024Q2 2026

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 0.28%, up 35 bps year over year; NIM at 2.69%.
  • 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.

Return on Assets (quarter, annualized)

0.28%+35 bps YoY

Net Interest Margin (quarter, annualized)

2.69%+37 bps YoY

Efficiency Ratio (quarter, annualized)

89.67%-1,349 bps YoY

Tier 1 Leverage Ratio

8.29%+24 bps YoY

NIM

4.10%Q2 ’244.33%Q2 ’254.55%Q2 ’26+24%+16%

Non-interest income vs. expense

3.24%Q2 ’243.37%Q2 ’253.32%Q2 ’26+7%-5%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%-0.25%-0.22%-0.07%0.11%0.28%0.15%0.28%+35 bps
Return on Equity-2.39%-4.60%-4.27%-1.29%1.93%4.67%2.50%4.64%+593 bps
Net Interest Margin1.92%2.01%2.04%2.32%2.50%2.55%2.58%2.69%+37 bps
Efficiency Ratio109.60%112.49%110.38%103.16%96.18%92.68%94.97%89.67%-1,349 bps
Non-Interest Burden2.22%2.39%2.36%2.43%2.37%2.30%2.41%2.32%-11 bps
Growth
Asset Growth (YoY)8.98%3.70%1.30%1.54%-1.43%-2.86%-1.77%-4.84%-638 bps
Loan Growth (YoY)10.65%6.08%6.06%7.92%7.90%7.23%8.48%4.09%-382 bps
Deposit Growth (YoY)18.77%9.88%7.36%5.87%-0.84%-4.52%-1.07%-4.63%-1,050 bps
Asset Quality
Nonperforming Loans / Loans0.67%0.66%0.66%0.78%0.79%0.60%0.58%0.59%-19 bps
Net Charge-Offs / Loans0.04%0.05%0.04%0.01%0.03%0.03%0.02%0.02%0 bps
Allowance / Loans1.03%1.01%1.09%1.08%1.08%1.05%1.04%1.07%-1 bps
Allowance Coverage of NPLs1.5x1.5x1.7x1.4x1.4x1.7x1.8x1.8x+0.4x
Capital
Tier 1 Leverage Ratio8.36%8.16%7.87%8.04%8.14%8.21%8.24%8.29%+24 bps
Total Risk-Based Capital14.81%14.06%13.98%13.90%14.17%13.96%13.93%14.10%+20 bps
Equity / Assets5.95%5.02%5.17%5.16%5.81%6.16%5.94%6.20%+103 bps
Liquidity & Funding
Loans / Deposits65.74%65.96%65.31%66.29%71.53%74.07%71.62%72.35%+606 bps
Liquid Assets / Assets2.93%4.97%6.89%6.94%2.91%2.20%2.79%2.62%-432 bps
CRE / Total Capitaln/an/an/an/a270%275%280%n/an/a