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Home Savings Bank

Chanute, KS · Cert 28246

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

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 KS (n=98). 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

92

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

18

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 Bank

Chanute, KS · Cert 28246

State savings bank · OCC · 1 branch

Q2 2026

$115.1MAssets
$72.8MLoans
$90.5MDeposits
$19.6MEquity
Loan mix
88%RE $57.3M7%C&I $4.5M5%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $82.3M9%Noninterest $8.2MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.30%Q2 ’255.43%Q2 ’26+1%+8%

Non-interest income vs. expense

2.55%Q2 ’242.52%Q2 ’252.65%Q2 ’26+3%+4%

Executive Summary

  • Earnings: ROA of 1.00%, up 16 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.12% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.73%, up 56 bps from a year ago.
  • Funding: loans stand at 80.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+27 bps YoY

Efficiency Ratio (YTD, annualized)

67.33%-188 bps YoY

Tier 1 Leverage Ratio

16.73%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%1.09%1.08%0.98%1.00%+16 bps
Return on Equity5.10%6.62%6.51%5.72%5.86%+76 bps
Net Interest Margin3.53%3.69%3.66%3.82%3.80%+27 bps
Efficiency Ratio69.21%64.36%64.86%67.38%67.33%-188 bps
Non-Interest Burden2.38%2.22%2.25%2.50%2.48%+11 bps
Growth
Asset Growth (YoY)6.88%4.87%4.94%3.57%4.64%-224 bps
Loan Growth (YoY)-1.80%-1.82%-3.27%-2.51%-2.93%-113 bps
Deposit Growth (YoY)2.86%3.68%8.21%3.84%8.73%+587 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.11%0.11%0.11%0.12%0 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans1.31%1.34%1.35%1.38%1.42%+11 bps
Allowance Coverage of NPLs11.3x12.1x12.4x12.8x12.3x+1.0x
Capital
Tier 1 Leverage Ratio16.17%16.91%16.70%16.68%16.73%+56 bps
Total Risk-Based Capital27.01%27.85%28.68%29.15%30.54%+353 bps
Equity / Assets16.52%16.93%17.06%17.09%16.99%+47 bps
Liquidity & Funding
Loans / Deposits90.06%86.76%84.99%83.69%80.40%-966 bps
Liquid Assets / Assets1.12%0.81%0.35%0.74%0.34%-78 bps
CRE / Total Capitaln/a34.37%35.05%33.86%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 Bank

Chanute, KS · Cert 28246 · Peer group: banks under $1B in assets in KS (n=98)

State savings bank · OCC · 1 branch

Q2 2026

$115.1MAssets
$72.8MLoans
$90.5MDeposits
$19.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: return on equity trails 96% of banks under $1B in assets in KS (rank 94 of 98).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.99%

Rank 78 of 98

Net Interest Margin

3.81%

Rank 33 of 98

Efficiency Ratio

67.33%

Rank 81 of 98

Equity / Assets

16.99%

Rank 12 of 98

Non-interest income vs. expense

$0.2M$3.1MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 18% of banks under $1B in assets in KS
Bank 67.33%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%1.03%1.24%1.54%Beats 20%78 / 98
Return on Equity5.81%8.85%11.58%14.73%Beats 4%94 / 98
Net Interest Margin3.81%3.24%3.62%3.91%Beats 66%33 / 98
Efficiency Ratio67.33%51.87%58.88%64.74%Beats 18%81 / 98
Asset Quality
Nonperforming Loans / Loans0.12%0.01%0.33%1.05%Beats 67%33 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio29.28%11.81%13.71%17.33%Beats 94%6 / 98
Total Risk-Based Capital Ratio30.54%11.81%14.13%17.45%Beats 94%6 / 98
Equity / Assets16.99%8.60%11.34%13.10%Beats 88%12 / 98
Liquidity & Funding
Loans / Deposits80.40%57.09%69.84%82.47%70th pctl29 / 98
Loans / Assets63.23%49.34%58.31%68.94%60th pctl39 / 98
Brokered Deposits / Depositsn/aNot reported for this institution