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Home Federal Bank

Shreveport, LA · Cert 27654 · Home Federal Bcorp Inc. of La

State savings bank · OCC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

56

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

Home Federal Bank

Shreveport, LA · Cert 27654 · Home Federal Bcorp Inc. of La

State savings bank · OCC · 11 branches

Q2 2026

$644.0MAssets
$482.1MLoans
$579.1MDeposits
$61.2MEquity
Loan mix
88%RE $426.4M12%C&I $56.3M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $439.2M24%Noninterest $139.8MQ2 2025Q2 2026

NIM

4.86%Q2 ’244.96%Q2 ’255.11%Q2 ’26+14%+9%

Non-interest income vs. expense

2.40%Q2 ’242.62%Q2 ’252.46%Q2 ’26+6%-8%

Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 5.8% share · #8 of 23 inst. · $0.6B of $9.6B

6.4% Caddo
6.6% Bossier
2.6% Webster

Executive Summary

  • Earnings: ROA of 1.07%, up 31 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.63% of loans (+4 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.29%, down 11 bps from a year ago.
  • Funding: loans stand at 83.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+28 bps YoY

Efficiency Ratio (YTD, annualized)

62.46%-965 bps YoY

Tier 1 Leverage Ratio

9.29%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.91%1.00%1.09%1.07%+31 bps
Return on Equity8.13%9.71%10.62%11.43%11.26%+313 bps
Net Interest Margin3.25%3.30%3.33%3.53%3.52%+28 bps
Efficiency Ratio72.12%67.76%64.94%60.88%62.46%-965 bps
Non-Interest Burden2.21%2.09%2.01%1.98%2.03%-19 bps
Growth
Asset Growth (YoY)-4.40%-0.86%2.33%3.61%5.65%+1,005 bps
Loan Growth (YoY)-2.12%1.96%2.84%4.85%3.22%+534 bps
Deposit Growth (YoY)-4.78%-1.10%1.57%3.16%5.70%+1,048 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.41%0.36%0.70%0.63%+4 bps
Net Charge-Offs / Loans0.14%0.13%0.11%-0.03%-0.02%-15 bps
Allowance / Loans0.96%0.93%0.93%0.98%1.02%+6 bps
Allowance Coverage of NPLs1.6x2.3x2.6x1.4x1.6x0.0x
Capital
Tier 1 Leverage Ratio9.40%9.35%9.36%9.44%9.29%-11 bps
Total Risk-Based Capital14.67%14.36%14.42%14.10%14.20%-47 bps
Equity / Assets9.48%9.48%9.68%9.43%9.50%+1 bps
Liquidity & Funding
Loans / Deposits85.25%84.04%85.72%84.46%83.25%-200 bps
Liquid Assets / Assets11.66%11.93%10.64%11.03%12.68%+102 bps
CRE / Total Capitaln/a370%378%386%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

Home Federal Bank

Shreveport, LA · Cert 27654 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Home Federal Bcorp Inc. of La

State savings bank · OCC · 11 branches

Q2 2026

$644.0MAssets
$482.1MLoans
$579.1MDeposits
$61.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 56% of banks under $1B in assets operating in a single state (rank 325 of 746).
  • Widest gap: equity / assets trails 66% of banks under $1B in assets operating in a single state (rank 494 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.06%

Rank 376 of 746

Net Interest Margin

3.52%

Rank 439 of 746

Efficiency Ratio

62.46%

Rank 328 of 746

Equity / Assets

9.50%

Rank 494 of 746

Non-interest income vs. expense

$2.8M$15.8MINCOMEEXPENSE
Unfavorable gap of $13.0M · efficiency ratio beats 56% of banks under $1B in assets operating in a single state
Bank 62.46%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.72%1.06%1.45%Beats 50%376 / 746
Return on Equity11.16%6.74%10.51%13.63%Beats 56%325 / 746
Net Interest Margin3.52%3.17%3.68%4.16%Beats 41%439 / 746
Efficiency Ratio62.46%55.74%64.58%75.47%Beats 56%328 / 746
Asset Quality
Nonperforming Loans / Loans0.63%0.09%0.42%1.07%Beats 41%439 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 48%387 / 743
Capital
Tier 1 Capital Ratio13.11%11.55%13.75%17.60%Beats 43%424 / 746
Total Risk-Based Capital Ratio14.20%11.71%14.33%18.43%Beats 49%382 / 746
Equity / Assets9.50%8.90%10.51%13.06%Beats 34%494 / 746
Liquidity & Funding
Loans / Deposits83.25%61.31%78.27%90.78%61st pctl292 / 746
Loans / Assets74.85%53.60%66.97%76.08%71st pctl219 / 746
Brokered Deposits / Depositsn/aNot reported for this institution