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Home Savings and Loan Association of Carroll County, F.A.

Norborne, MO · Cert 27898

SL · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

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 in MO (n=82 to 83). 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

93

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

33

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 Savings and Loan Association of Carroll County, F.A.

Norborne, MO · Cert 27898

SL · OCC · 2 branches

Q2 2026

$131.4MAssets
$89.2MLoans
$111.6MDeposits
$19.3MEquity
Loan mix
90%RE $75.8M5%C&I $4.3M5%Consumer $3.9MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $109.1M2%Noninterest $2.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.96%, up 32 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.73% of loans (-8 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 14.53%, up 21 bps from a year ago.
  • Funding: loans stand at 79.91% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.96%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+62 bps YoY

Efficiency Ratio (YTD, annualized)

64.40%-878 bps YoY

Tier 1 Leverage Ratio

14.53%+21 bps YoY

NIM

4.46%Q2 ’244.98%Q2 ’255.32%Q2 ’26+21%+24%

Non-interest income vs. expense

2.12%Q2 ’242.04%Q2 ’252.21%Q2 ’26-5%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.27%0.62%0.64%0.72%0.67%0.75%0.96%+32 bps
Return on Equity2.00%1.99%4.49%4.64%5.15%4.78%5.24%6.68%+204 bps
Net Interest Margin2.22%2.23%2.43%2.63%2.77%2.79%3.28%3.25%+62 bps
Efficiency Ratio88.13%88.39%76.42%73.17%68.58%69.11%71.25%64.40%-878 bps
Non-Interest Burden1.93%1.94%1.80%1.87%1.83%1.87%2.29%2.01%+14 bps
Growth
Asset Growth (YoY)3.19%1.08%3.53%3.04%1.33%4.46%4.12%3.33%+29 bps
Loan Growth (YoY)3.95%1.73%-2.58%0.56%4.12%1.62%3.39%1.29%+73 bps
Deposit Growth (YoY)11.03%8.01%8.84%6.69%3.53%7.17%5.87%4.82%-187 bps
Asset Quality
Nonperforming Loans / Loans0.90%0.88%0.95%0.81%0.68%1.04%0.75%0.73%-8 bps
Net Charge-Offs / Loans0.03%0.03%-0.02%-0.02%-0.01%0.01%0.04%0.01%+3 bps
Allowance / Loans1.15%1.14%1.16%1.13%1.17%1.21%1.21%1.20%+7 bps
Allowance Coverage of NPLs1.3x1.3x1.2x1.4x1.7x1.2x1.6x1.6x+0.2x
Capital
Tier 1 Leverage Ratio14.28%14.18%14.19%14.32%14.47%14.34%14.28%14.53%+21 bps
Total Risk-Based Capital24.62%24.83%25.30%24.55%24.58%25.03%24.81%25.23%+68 bps
Equity / Assets13.91%13.78%13.74%14.01%14.55%14.35%14.18%14.69%+68 bps
Liquidity & Funding
Loans / Deposits85.14%83.20%79.22%82.69%85.63%78.89%77.36%79.91%-278 bps
Liquid Assets / Assets5.50%5.28%8.63%5.96%4.15%7.77%8.51%5.77%-19 bps
CRE / Total Capitaln/an/an/an/a69.36%63.34%59.54%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 Savings and Loan Association of Carroll County, F.A.

Norborne, MO · Cert 27898 · Peer group: banks under $1B in assets in MO (n=82-83)

SL · OCC · 2 branches

Q2 2026

$131.4MAssets
$89.2MLoans
$111.6MDeposits
$19.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 95% of banks under $1B in assets in MO (rank 4 of 83).
  • Widest gap: return on equity trails 87% of banks under $1B in assets in MO (rank 72 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.96%

Rank 63 of 83

Net Interest Margin

3.25%

Rank 67 of 83

Efficiency Ratio

64.40%

Rank 57 of 83

Equity / Assets

14.69%

Rank 9 of 83

Non-interest income vs. expense

$0.3M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 33% of banks under $1B in assets in MO
Bank 64.40%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.96%0.96%1.32%1.75%Beats 24%63 / 83
Return on Equity6.56%9.66%12.96%15.76%Beats 13%72 / 83
Net Interest Margin3.25%3.35%3.85%4.16%Beats 19%67 / 83
Efficiency Ratio64.40%49.83%58.83%68.51%Beats 33%57 / 83
Asset Quality
Nonperforming Loans / Loans0.73%0.08%0.51%1.01%Beats 39%51 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 50%42 / 82
Capital
Tier 1 Capital Ratio23.98%11.01%12.49%14.98%Beats 95%4 / 83
Total Risk-Based Capital Ratio25.23%11.13%13.01%15.10%Beats 95%4 / 83
Equity / Assets14.69%8.83%10.71%13.29%Beats 89%9 / 83
Liquidity & Funding
Loans / Deposits79.91%69.28%83.22%91.21%45th pctl45 / 82
Loans / Assets67.87%59.34%71.15%78.36%37th pctl52 / 83
Brokered Deposits / Depositsn/aNot reported for this institution