Deridder, LA · Cert 30339 · Homeland Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.76% | 0.37% | 0.39% | 0.46% | 1.20% | 0.96% | 0.83% | +44 bps | |
| Return on Equity | 6.47% | 5.44% | 2.73% | 2.93% | 3.68% | 10.05% | 8.24% | 7.23% | +430 bps | |
| Net Interest Margin | 4.73% | 4.96% | 4.45% | 4.68% | 4.22% | 5.08% | 4.74% | 4.55% | -12 bps | |
| Efficiency Ratio | 68.16% | 69.32% | 80.02% | 80.35% | 78.01% | 58.97% | 67.15% | 69.39% | -1,096 bps | |
| Non-Interest Burden | 3.43% | 3.84% | 3.80% | 4.00% | 3.51% | 3.15% | 3.37% | 3.16% | -84 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 | -0.06% | 0.81% | 0.00% | 0.19% | 1.03% | 0.18% | 0.00% | 0.06% | -13 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 | |