PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

HSM

Hickory, NC · Charter 22740

NCUA · 1 branch

Q2 2026

$5.5MAssets
$4.2MLoans
$4.6MShares
$771KNet Worth

Executive Summary

  • Earnings: ROA of 0.54%, up 94 bps year over year; NIM at 6.51%.
  • Asset quality: problem loans at 0.80% of loans (-83 bps YoY).
  • Capital: net worth / assets of 14.13%, up 82 bps from a year ago.
  • Funding: loans stand at 90.31% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.54%+94 bps YoY

Net Interest Margin (quarter, annualized)

6.51%+20 bps YoY

Efficiency Ratio (quarter, annualized)

89.58%+137 bps YoY

Net Worth / Assets

14.13%+82 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.63%-0.31%-1.43%-0.40%-0.57%-0.27%1.07%0.54%+94 bps
Return on Equity-4.62%-2.20%-11.09%-2.99%-4.25%-2.07%8.06%3.80%+680 bps
Net Interest Margin6.12%6.26%6.16%6.31%6.51%6.34%6.22%6.51%+20 bps
Efficiency Ratio85.23%85.15%92.13%88.21%86.88%86.79%86.55%89.58%+137 bps
Growth
Asset Growth (YoY)-1.65%-9.28%1.44%1.91%-2.46%2.89%-0.13%-4.48%-640 bps
Loan Growth (YoY)-3.69%-5.40%-8.44%-7.20%-6.17%-5.22%-0.79%0.74%+795 bps
Share Growth (YoY)-0.60%-8.69%3.91%4.10%-1.60%3.23%-2.23%-4.97%-907 bps
Asset Quality
Delinquent Loans / Loans1.45%1.88%0.62%1.63%1.07%0.85%0.64%0.80%-83 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.67%13.89%12.94%13.32%13.44%13.23%13.31%14.13%+82 bps
Net Worth / Assets13.67%13.89%12.94%13.32%13.44%13.23%13.31%14.13%+82 bps
Liquidity & Funding
Loans / Shares93.20%94.25%84.48%85.19%88.87%86.53%85.73%90.31%+513 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps