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Home Bank SB

Martinsville, IN · Cert 29881

State savings bank · OCC · 6 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=743 to 746). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

14

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 Bank SB

Martinsville, IN · Cert 29881

State savings bank · OCC · 6 branches

Q2 2026

$433.1MAssets
$261.2MLoans
$370.9MDeposits
$40.2MEquity
Loan mix
97%RE $250.5M2%C&I $4.2M1%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $289.4M22%Noninterest $81.5MQ2 2025Q2 2026

NIM

3.92%Q2 ’244.10%Q2 ’254.25%Q2 ’26+3%+14%

Non-interest income vs. expense

3.19%Q2 ’243.38%Q2 ’253.42%Q2 ’26+10%+0%

Market Position · Indianapolis-Carmel-Greenwood, IN · 2026 SOD (annual) · 0.4% share · #27 of 49 inst. · $0.4B of $91.8B

21.6% Morgan
0.7% Johnson
0.4% Hendricks

Executive Summary

  • Earnings: ROA of 0.65%, up 28 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.86% of loans (-2 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.46%, up 51 bps from a year ago.
  • Funding: loans stand at 70.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+40 bps YoY

Efficiency Ratio (YTD, annualized)

82.49%-875 bps YoY

Tier 1 Leverage Ratio

12.46%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.48%0.56%0.61%0.65%+28 bps
Return on Equity4.80%6.07%6.98%6.91%7.23%+243 bps
Net Interest Margin2.77%2.80%2.92%3.08%3.17%+40 bps
Efficiency Ratio91.24%87.80%85.10%83.68%82.49%-875 bps
Non-Interest Burden2.45%2.34%2.33%2.43%2.45%0 bps
Growth
Asset Growth (YoY)1.62%4.04%2.90%2.26%-0.05%-167 bps
Loan Growth (YoY)13.64%11.02%7.57%6.02%1.75%-1,189 bps
Deposit Growth (YoY)1.20%-0.21%-0.19%1.82%1.65%+45 bps
Asset Quality
Nonperforming Loans / Loans0.89%0.34%0.67%0.70%0.86%-2 bps
Net Charge-Offs / Loans-0.04%-0.01%0.00%0.04%0.03%+7 bps
Allowance / Loans1.11%1.12%1.11%1.10%1.12%+1 bps
Allowance Coverage of NPLs1.3x3.3x1.7x1.6x1.3x0.0x
Capital
Tier 1 Leverage Ratio11.96%11.87%12.26%12.21%12.46%+51 bps
Total Risk-Based Capital11.96%11.87%12.26%12.21%12.46%+51 bps
Equity / Assets7.43%8.37%8.79%8.84%9.28%+185 bps
Liquidity & Funding
Loans / Deposits70.35%72.09%71.53%70.48%70.42%+7 bps
Liquid Assets / Assets4.84%3.70%6.67%6.50%6.43%+159 bps
CRE / Total Capitaln/a160.17%155.87%152.93%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 Bank SB

Martinsville, IN · Cert 29881 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 6 branches

Q2 2026

$433.1MAssets
$261.2MLoans
$370.9MDeposits
$40.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 41% of banks under $1B in assets operating in a single state (rank 437 of 743).
  • Widest gap: efficiency ratio trails 86% of banks under $1B in assets operating in a single state (rank 641 of 746).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.65%

Rank 586 of 746

Net Interest Margin

3.17%

Rank 559 of 746

Efficiency Ratio

82.49%

Rank 641 of 746

Equity / Assets

9.28%

Rank 522 of 746

Non-interest income vs. expense

$4.4M$15.5MINCOMEEXPENSE
Unfavorable gap of $11.1M · efficiency ratio beats 14% of banks under $1B in assets operating in a single state
Bank 82.49%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%0.72%1.06%1.45%Beats 21%586 / 746
Return on Equity6.98%6.74%10.51%13.63%Beats 27%545 / 746
Net Interest Margin3.17%3.17%3.68%4.16%Beats 25%559 / 746
Efficiency Ratio82.49%55.74%64.58%75.47%Beats 14%641 / 746
Asset Quality
Nonperforming Loans / Loans0.86%0.09%0.42%1.07%Beats 31%511 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 41%437 / 743
Capital
Tier 1 Capital Ratio12.46%11.55%13.75%17.60%Beats 36%475 / 746
Total Risk-Based Capital Ratio12.46%11.71%14.33%18.43%Beats 32%505 / 746
Equity / Assets9.28%8.90%10.51%13.06%Beats 30%522 / 746
Liquidity & Funding
Loans / Deposits70.42%61.31%78.27%90.78%36th pctl477 / 746
Loans / Assets60.30%53.60%66.97%76.08%36th pctl480 / 746
Brokered Deposits / Depositsn/aNot reported for this institution