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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 $3.3MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $82.3M9%Noninterest $8.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.72%0.89%0.84%1.09%1.08%0.98%1.00%+16 bps
Return on Equity4.91%4.33%5.42%5.10%6.62%6.51%5.72%5.86%+76 bps
Net Interest Margin3.52%3.46%3.60%3.53%3.69%3.66%3.82%3.80%+27 bps
Efficiency Ratio70.34%71.96%67.85%69.21%64.36%64.86%67.38%67.33%-188 bps
Non-Interest Burden2.39%2.41%2.35%2.38%2.22%2.25%2.50%2.48%+11 bps
Growth
Asset Growth (YoY)3.51%3.82%6.65%6.88%4.87%4.94%3.57%4.64%-224 bps
Loan Growth (YoY)2.37%3.10%-1.86%-1.80%-1.82%-3.27%-2.51%-2.93%-113 bps
Deposit Growth (YoY)5.06%2.20%5.86%2.86%3.68%8.21%3.84%8.73%+587 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.21%0.12%0.12%0.11%0.11%0.11%0.12%0 bps
Net Charge-Offs / Loans0.15%0.26%0.00%0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans1.26%1.21%1.27%1.31%1.34%1.35%1.38%1.42%+11 bps
Allowance Coverage of NPLs5.4x5.6x10.8x11.3x12.1x12.4x12.8x12.3x+1.0x
Capital
Tier 1 Leverage Ratio16.85%16.42%16.47%16.17%16.91%16.70%16.68%16.73%+56 bps
Total Risk-Based Capital25.70%25.01%26.28%27.01%27.85%28.68%29.15%30.54%+353 bps
Equity / Assets16.70%16.29%16.36%16.52%16.93%17.06%17.09%16.99%+47 bps
Liquidity & Funding
Loans / Deposits91.62%95.08%89.15%90.06%86.76%84.99%83.69%80.40%-966 bps
Liquid Assets / Assets0.72%0.85%0.58%1.12%0.81%0.35%0.74%0.34%-78 bps
CRE / Total Capitaln/an/an/an/a34.37%35.05%33.86%n/an/a