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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

7.12%Q2 ’247.08%Q2 ’257.20%Q2 ’26+1%+8%

Non-interest income vs. expense

2.35%Q2 ’242.57%Q2 ’252.70%Q2 ’26+10%+6%

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 0.82%, down 4 bps year over year; NIM at 3.98%.
  • 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 (quarter, annualized)

0.82%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.98%+29 bps YoY

Efficiency Ratio (quarter, annualized)

67.10%-140 bps YoY

Tier 1 Leverage Ratio

15.73%-70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.30%0.93%0.96%0.82%-4 bps
Return on Equity5.57%2.02%6.23%6.38%5.45%-12 bps
Net Interest Margin3.69%4.03%3.58%3.65%3.98%+29 bps
Efficiency Ratio68.50%76.35%69.46%67.20%67.10%-140 bps
Non-Interest Burden2.51%3.07%2.47%2.44%2.66%+15 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 / Loans0.00%0.00%0.00%0.00%0.00%0 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