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Homestead Savings Bank

Albion, MI · Cert 28667

State savings bank · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=748 to 752). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

19

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 2026-10-10

Homestead Savings Bank

Albion, MI · Cert 28667

State savings bank · OCC · 3 branches

Q2 2026

$71.6MAssets
$50.4MLoans
$64.6MDeposits
$6.6MEquity
Loan mix
92%RE $47.1M6%C&I $3.0M2%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $34.7M46%Noninterest $29.9MQ2 2025Q2 2026

NIM

4.16%Q2 ’244.42%Q2 ’254.62%Q2 ’26+8%+7%

Non-interest income vs. expense

4.03%Q2 ’243.95%Q2 ’254.07%Q2 ’26+3%-3%

Market Position · Battle Creek, MI · 2026 SOD (annual) · 3.7% share · #7 of 10 inst. · $0.0B of $1.3B

3.7% Calhoun
0.3% Jackson
0.1% Ingham

Executive Summary

  • Earnings: ROA of 0.75%, up 19 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.24% of loans (-31 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.42%, up 103 bps from a year ago.
  • Funding: loans stand at 78.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+19 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+28 bps YoY

Efficiency Ratio (YTD, annualized)

78.83%-568 bps YoY

Tier 1 Leverage Ratio

9.42%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.55%0.64%0.75%0.75%+19 bps
Return on Equity6.81%6.63%7.59%8.45%8.37%+155 bps
Net Interest Margin3.96%4.07%4.15%4.31%4.25%+28 bps
Efficiency Ratio84.52%84.68%83.02%78.70%78.83%-568 bps
Non-Interest Burden3.24%3.33%3.30%3.21%3.16%-8 bps
Growth
Asset Growth (YoY)-1.53%-0.18%1.18%0.44%0.16%+169 bps
Loan Growth (YoY)0.89%-2.69%-1.36%-2.44%-5.39%-628 bps
Deposit Growth (YoY)-2.50%-1.08%0.19%-0.45%-0.91%+160 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.59%0.32%0.09%0.24%-31 bps
Net Charge-Offs / Loans0.08%0.06%0.04%-0.01%0.00%-9 bps
Allowance / Loans1.03%1.07%1.07%1.16%1.24%+21 bps
Allowance Coverage of NPLs1.9x1.8x3.3x12.7x5.2x+3.3x
Capital
Tier 1 Leverage Ratio8.39%8.82%9.16%9.09%9.42%+103 bps
Total Risk-Based Capital17.67%18.23%18.47%18.84%19.48%+180 bps
Equity / Assets8.40%8.60%8.83%8.80%9.20%+80 bps
Liquidity & Funding
Loans / Deposits81.78%80.10%79.84%77.06%78.08%-370 bps
Liquid Assets / Assets12.73%13.44%13.01%17.27%16.75%+402 bps
CRE / Total Capitaln/a291%282%272%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 2026-10-10

Homestead Savings Bank

Albion, MI · Cert 28667 · Peer group: banks under $1B in assets operating in a single state (n=748-752)

State savings bank · OCC · 3 branches

Q2 2026

$71.6MAssets
$50.4MLoans
$64.6MDeposits
$6.6MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 79% of banks under $1B in assets operating in a single state (rank 156 of 752).
  • Widest gap: efficiency ratio trails 81% of banks under $1B in assets operating in a single state (rank 607 of 752).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.75%

Rank 550 of 752

Net Interest Margin

4.25%

Rank 170 of 752

Efficiency Ratio

78.83%

Rank 607 of 752

Equity / Assets

9.20%

Rank 542 of 752

Non-interest income vs. expense

$0.7M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state
Bank 78.83%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%0.72%1.07%1.45%Beats 27%550 / 752
Return on Equity8.20%6.78%10.58%13.65%Beats 35%491 / 752
Net Interest Margin4.25%3.18%3.69%4.17%Beats 77%170 / 752
Efficiency Ratio78.83%55.75%64.49%75.47%Beats 19%607 / 752
Asset Quality
Nonperforming Loans / Loans0.24%0.09%0.42%1.03%Beats 63%278 / 748
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 57%322 / 748
Capital
Tier 1 Capital Ratio18.22%11.55%13.75%17.60%Beats 78%168 / 752
Total Risk-Based Capital Ratio19.48%11.70%14.33%18.47%Beats 79%156 / 752
Equity / Assets9.20%8.93%10.56%13.13%Beats 28%542 / 752
Liquidity & Funding
Loans / Deposits78.08%62.23%78.64%91.26%49th pctl383 / 752
Loans / Assets70.44%54.61%67.41%76.47%57th pctl320 / 752
Brokered Deposits / Depositsn/aNot reported for this institution