Deridder, LA · Cert 30339 · Homeland Bancshares Inc.
State savings bank · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
14
Profitability
56
Liquidity
24
Efficiency
38
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.
Deridder, LA · Cert 30339 · Homeland Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.72% | 0.37% | 0.38% | 0.41% | 0.62% | 0.96% | 0.90% | +52 bps | |
| Return on Equity | 5.15% | 5.23% | 2.73% | 2.83% | 3.12% | 4.89% | 8.24% | 7.74% | +491 bps | |
| Net Interest Margin | 4.54% | 4.61% | 4.45% | 4.49% | 4.07% | 4.20% | 4.74% | 4.59% | +9 bps | |
| Efficiency Ratio | 72.11% | 71.44% | 80.02% | 80.19% | 79.44% | 73.24% | 67.15% | 68.26% | -1,193 bps | |
| Non-Interest Burden | 3.47% | 3.54% | 3.80% | 3.84% | 3.45% | 3.28% | 3.37% | 3.22% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.03% | 3.10% | 10.60% | 10.16% | 23.06% | 22.60% | 28.11% | 22.43% | +1,227 bps | |
| Loan Growth (YoY) | 12.46% | 11.96% | 15.87% | 30.27% | 28.42% | 36.11% | 38.64% | 25.97% | -430 bps | |
| Deposit Growth (YoY) | -1.23% | -0.47% | 7.69% | -0.79% | 12.45% | 15.80% | 22.56% | 28.04% | +2,882 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.26% | 4.10% | 3.89% | 5.18% | 4.27% | 2.85% | 2.38% | 3.36% | -183 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.29% | 0.00% | 0.10% | 0.41% | 0.32% | 0.00% | 0.03% | -7 bps | |
| Allowance / Loans | 1.63% | 1.38% | 1.35% | 1.12% | 0.84% | 0.81% | 0.79% | 0.81% | -31 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.2x | 0.2x | 0.3x | 0.3x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 11.13% | 11.15% | 10.95% | 9.95% | 10.04% | 9.77% | 9.70% | -125 bps | |
| Total Risk-Based Capital | 10.91% | 11.13% | 11.15% | 10.95% | 9.95% | 10.04% | 9.77% | 9.70% | -125 bps | |
| Equity / Assets | 14.28% | 13.58% | 13.73% | 12.89% | 12.16% | 11.78% | 11.60% | 11.38% | -151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.65% | 80.72% | 84.05% | 99.53% | 94.38% | 94.87% | 95.08% | 97.92% | -161 bps | |
| Liquid Assets / Assets | 21.93% | 24.66% | 22.71% | 16.89% | 19.19% | 18.50% | 17.66% | 16.17% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 239% | 222% | n/a | n/a | |
Deridder, LA · Cert 30339 · Peer group: banks under $1B in assets (n=581-629) · Homeland Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
Return on Assets
0.87%
Rank 386 of 629
Net Interest Margin
4.59%
Rank 58 of 629
Efficiency Ratio
72.64%
Rank 391 of 629
Equity / Assets
11.38%
Rank 264 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.60% | 1.01% | 1.45% | Beats 39% | 386 / 629 | ||
| Return on Equity | 7.63% | 5.38% | 9.30% | 13.28% | Beats 37% | 397 / 629 | ||
| Net Interest Margin | 4.59% | 3.03% | 3.54% | 4.05% | Beats 91% | 58 / 629 | ||
| Efficiency Ratio | 72.64% | 58.35% | 67.79% | 79.08% | Beats 38% | 391 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.36% | 0.09% | 0.46% | 1.20% | Beats 6% | 548 / 581 | ||
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 21% | 459 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.70% | 11.24% | 13.84% | 18.77% | Beats 8% | 579 / 629 | ||
| Total Risk-Based Capital Ratio | 9.70% | 11.58% | 14.43% | 19.66% | Beats 8% | 581 / 629 | ||
| Equity / Assets | 11.38% | 9.09% | 10.65% | 13.80% | Beats 58% | 264 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.92% | 67.24% | 80.90% | 93.48% | 82nd pctl | 105 / 594 | ||
| Loans / Assets | 78.13% | 53.31% | 67.71% | 78.15% | 75th pctl | 160 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||