PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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