PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $2.7MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $289.4M22%Noninterest $81.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.39%0.23%0.37%0.48%0.56%0.61%0.65%+28 bps
Return on Equity4.85%5.03%2.98%4.80%6.07%6.98%6.91%7.23%+243 bps
Net Interest Margin2.75%2.71%2.68%2.77%2.80%2.92%3.08%3.17%+40 bps
Efficiency Ratio87.47%87.87%94.61%91.24%87.80%85.10%83.68%82.49%-875 bps
Non-Interest Burden2.28%2.26%2.49%2.45%2.34%2.33%2.43%2.45%0 bps
Growth
Asset Growth (YoY)-1.40%-3.63%-0.49%1.62%4.04%2.90%2.26%-0.05%-167 bps
Loan Growth (YoY)8.51%8.73%11.94%13.64%11.02%7.57%6.02%1.75%-1,189 bps
Deposit Growth (YoY)2.77%3.33%2.30%1.20%-0.21%-0.19%1.82%1.65%+45 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.60%0.43%0.89%0.34%0.67%0.70%0.86%-2 bps
Net Charge-Offs / Loans0.04%0.03%0.03%-0.04%-0.01%0.00%0.04%0.03%+7 bps
Allowance / Loans1.22%1.17%1.15%1.11%1.12%1.11%1.10%1.12%+1 bps
Allowance Coverage of NPLs2.5x1.9x2.7x1.3x3.3x1.7x1.6x1.3x0.0x
Capital
Tier 1 Leverage Ratio12.01%12.02%11.92%11.96%11.87%12.26%12.21%12.46%+51 bps
Total Risk-Based Capital12.01%12.02%11.92%11.96%11.87%12.26%12.21%12.46%+51 bps
Equity / Assets8.61%7.70%7.89%7.43%8.37%8.79%8.84%9.28%+185 bps
Liquidity & Funding
Loans / Deposits64.79%66.37%67.69%70.35%72.09%71.53%70.48%70.42%+7 bps
Liquid Assets / Assets3.74%5.01%4.45%4.84%3.70%6.67%6.50%6.43%+159 bps
CRE / Total Capitaln/an/an/an/a160.17%155.87%152.93%n/an/a