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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 $3.9MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $109.1M2%Noninterest $2.5MQ2 2025Q2 2026

NIM

4.58%Q2 ’245.10%Q2 ’255.30%Q2 ’26+30%+14%

Non-interest income vs. expense

2.17%Q2 ’242.08%Q2 ’252.02%Q2 ’26-3%-10%

Executive Summary

  • Earnings: ROA of 1.17%, up 51 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.73% of loans (-8 bps YoY), with net recoveries of 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.

Financial Results

Return on Assets (quarter, annualized)

1.17%+51 bps YoY

Net Interest Margin (quarter, annualized)

3.23%+40 bps YoY

Efficiency Ratio (quarter, annualized)

57.77%-1,255 bps YoY

Tier 1 Leverage Ratio

14.53%+21 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.88%0.54%0.75%1.17%+51 bps
Return on Equity4.77%6.15%3.72%5.24%8.11%+334 bps
Net Interest Margin2.83%3.09%2.98%3.28%3.23%+40 bps
Efficiency Ratio70.32%60.87%70.62%71.25%57.77%-1,255 bps
Non-Interest Burden1.94%1.78%2.07%2.29%1.74%-19 bps
Growth
Asset Growth (YoY)3.04%1.33%4.46%4.12%3.33%+29 bps
Loan Growth (YoY)0.56%4.12%1.62%3.39%1.29%+73 bps
Deposit Growth (YoY)6.69%3.53%7.17%5.87%4.82%-187 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.68%1.04%0.75%0.73%-8 bps
Net Charge-Offs / Loans-0.02%0.01%0.07%0.04%-0.01%0 bps
Allowance / Loans1.13%1.17%1.21%1.21%1.20%+7 bps
Allowance Coverage of NPLs1.4x1.7x1.2x1.6x1.6x+0.2x
Capital
Tier 1 Leverage Ratio14.32%14.47%14.34%14.28%14.53%+21 bps
Total Risk-Based Capital24.55%24.58%25.03%24.81%25.23%+68 bps
Equity / Assets14.01%14.55%14.35%14.18%14.69%+68 bps
Liquidity & Funding
Loans / Deposits82.69%85.63%78.89%77.36%79.91%-278 bps
Liquid Assets / Assets5.96%4.15%7.77%8.51%5.77%-19 bps
CRE / Total Capitaln/a69.36%63.34%59.54%n/an/a