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Letter portraitLegal landscapeQuarterYTD

Home Bank, National Association

Lafayette, LA · Cert 28094 · Home Bcorp Inc.

National charter · OCC · 43 branches

Q2 2026

$3.6BAssets
$2.8BLoans
$3.1BDeposits
$488.4MEquity
Loan mix
86%RE $2.3B13%C&I $0.4B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $2.2B27%Noninterest $0.8BQ2 2025Q2 2026

NIM

5.33%Q2 ’245.53%Q2 ’255.41%Q2 ’26+8%+4%

Non-interest income vs. expense

2.55%Q2 ’242.57%Q2 ’252.64%Q2 ’26+2%+3%

Market Position · Lafayette, LA · 2026 SOD (annual) · 13.3% share · #3 of 41 inst. · $1.6B of $12.2B

14.7% Lafayette
2.4% Jefferson
3.7% St. Tammany
26.6% Adams

Executive Summary

  • Earnings: ROA of 1.38%, up 1 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.95% of loans (+11 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 12.11%, up 64 bps from a year ago.
  • Funding: loans stand at 90.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+16 bps YoY

Efficiency Ratio (YTD, annualized)

58.79%-39 bps YoY

Tier 1 Leverage Ratio

12.11%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.42%1.41%1.38%1.38%+1 bps
Return on Equity10.73%10.96%10.82%10.12%10.17%-56 bps
Net Interest Margin3.95%3.99%3.98%4.08%4.11%+16 bps
Efficiency Ratio59.17%58.45%58.49%57.91%58.79%-39 bps
Non-Interest Burden2.14%2.13%2.13%2.16%2.21%+7 bps
Growth
Asset Growth (YoY)2.33%1.48%1.38%1.94%3.49%+116 bps
Loan Growth (YoY)3.93%1.47%0.98%-0.71%0.53%-340 bps
Deposit Growth (YoY)6.82%7.00%6.91%6.99%5.67%-116 bps
Asset Quality
Nonperforming Loans / Loans0.84%1.09%1.24%1.31%0.95%+11 bps
Net Charge-Offs / Loans0.03%0.04%0.03%0.06%0.06%+3 bps
Allowance / Loans1.21%1.21%1.21%1.23%1.22%+1 bps
Allowance Coverage of NPLs1.4x1.1x1.0x0.9x1.3x-0.1x
Capital
Tier 1 Leverage Ratio11.47%11.80%11.84%12.11%12.11%+64 bps
Total Risk-Based Capital14.66%15.24%15.29%15.65%15.61%+96 bps
Equity / Assets12.92%13.37%13.57%13.67%13.56%+64 bps
Liquidity & Funding
Loans / Deposits94.92%90.86%92.11%90.00%90.31%-461 bps
Liquid Assets / Assets2.01%4.31%3.32%5.08%4.09%+208 bps
CRE / Total Capitaln/a418%417%405%n/an/a