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Home Savings Bank

Salt Lake City, UT · Cert 26798 · JGS Jr Family Holding Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$108.8MAssets
$93.5MLoans
$76.4MDeposits
$16.7MEquity
Loan mix
100%RE $89.6M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $76.4M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

6.74%Q2 ’247.38%Q2 ’257.33%Q2 ’26+15%+1%

Non-interest income vs. expense

2.32%Q2 ’242.64%Q2 ’252.69%Q2 ’26+15%+3%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #44 of 57 inst. · $0.1B of $1175.7B

Executive Summary

  • Earnings: ROA of 0.89%, down 23 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.73%, down 70 bps from a year ago.
  • Funding: loans stand at 122.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.89%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+5 bps YoY

Efficiency Ratio (YTD, annualized)

67.15%+79 bps YoY

Tier 1 Leverage Ratio

15.73%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%0.85%0.87%0.96%0.89%-23 bps
Return on Equity7.26%5.57%5.71%6.38%5.89%-137 bps
Net Interest Margin3.92%3.93%3.83%3.65%3.97%+5 bps
Efficiency Ratio66.36%69.75%69.68%67.20%67.15%+79 bps
Non-Interest Burden2.58%2.73%2.65%2.44%2.65%+7 bps
Growth
Asset Growth (YoY)-11.59%-7.18%-4.67%-3.13%-4.82%+677 bps
Loan Growth (YoY)-13.27%-7.58%-0.12%-9.43%-3.57%+969 bps
Deposit Growth (YoY)-0.88%-3.79%0.62%1.19%-11.29%-1,041 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.48%-0.31%-0.24%0.00%0.00%+48 bps
Allowance / Loans0.94%0.99%1.01%1.07%1.07%+13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.43%15.44%15.59%14.34%15.73%-70 bps
Total Risk-Based Capital16.43%15.44%15.59%14.34%15.73%-70 bps
Equity / Assets15.63%14.50%15.24%14.80%15.36%-27 bps
Liquidity & Funding
Loans / Deposits112.63%113.83%107.66%100.62%122.42%+980 bps
Liquid Assets / Assets12.09%11.53%11.62%16.76%10.80%-129 bps
CRE / Total Capitaln/a371%361%347%n/an/a