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Homewood Federal Savings Bank

Baltimore, MD · Cert 31267

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (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.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

37

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

Homewood Federal Savings Bank

Baltimore, MD · Cert 31267

State savings bank · OCC · 1 branch

Q2 2026

$67.3MAssets
$56.1MLoans
$50.0MDeposits
$17.3MEquity
Loan mix
95%RE $52.5M4%C&I $2.3M1%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $48.8M2%Noninterest $1.2MQ2 2025Q2 2026

NIM

4.88%Q2 ’245.22%Q2 ’255.72%Q2 ’26-3%+27%

Non-interest income vs. expense

2.49%Q2 ’242.46%Q2 ’252.45%Q2 ’26-3%+1%

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.0% share · #35 of 40 inst. · $0.0B of $106.1B

Executive Summary

  • Earnings: ROA of 0.36%, unchanged from a year ago; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 26.12%, up 38 bps from a year ago.
  • Funding: loans stand at 112.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%0 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+70 bps YoY

Efficiency Ratio (YTD, annualized)

73.24%-1,893 bps YoY

Tier 1 Leverage Ratio

26.12%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%10.49%10.43%0.07%0.36%0 bps
Return on Equity1.43%1.92%1.67%0.28%1.41%-2 bps
Net Interest Margin2.61%2.72%2.77%3.18%3.32%+70 bps
Efficiency Ratio92.17%89.27%86.37%75.19%73.24%-1,893 bps
Non-Interest Burden2.40%2.42%2.39%2.38%2.42%+2 bps
Growth
Asset Growth (YoY)3.46%0.21%1.22%-0.07%1.13%-232 bps
Loan Growth (YoY)9.21%7.10%6.27%5.47%4.71%-450 bps
Deposit Growth (YoY)3.98%-0.52%1.02%-0.65%0.93%-304 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.85%0.83%0.85%0.90%0.89%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio25.74%26.06%25.54%26.00%26.12%+38 bps
Total Risk-Based Capital40.56%39.82%39.26%39.43%39.15%-140 bps
Equity / Assets25.55%25.65%25.70%26.21%25.69%+14 bps
Liquidity & Funding
Loans / Deposits108.16%109.35%110.44%114.34%112.21%+405 bps
Liquid Assets / Assets17.48%16.19%14.38%13.72%14.17%-331 bps
CRE / Total Capitaln/a148.22%157.47%161.79%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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Homewood Federal Savings Bank

Baltimore, MD · Cert 31267 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 1 branch

Q2 2026

$67.3MAssets
$56.1MLoans
$50.0MDeposits
$17.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: return on equity trails 90% of banks under $1B in assets (rank 564 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.36%

Rank 537 of 629

Net Interest Margin

3.32%

Rank 388 of 629

Efficiency Ratio

73.24%

Rank 399 of 629

Equity / Assets

25.69%

Rank 65 of 629

Non-interest income vs. expense

$0.0M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 37% of banks under $1B in assets
Bank 73.24%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.36%0.60%1.01%1.45%Beats 15%537 / 629
Return on Equity1.40%5.38%9.30%13.28%Beats 10%564 / 629
Net Interest Margin3.32%3.03%3.54%4.05%Beats 38%388 / 629
Efficiency Ratio73.24%58.35%67.79%79.08%Beats 37%399 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio38.05%11.24%13.84%18.77%Beats 89%71 / 629
Total Risk-Based Capital Ratio39.15%11.58%14.43%19.66%Beats 89%70 / 629
Equity / Assets25.69%9.09%10.65%13.80%Beats 90%65 / 629
Liquidity & Funding
Loans / Deposits112.21%67.24%80.90%93.48%97th pctl20 / 594
Loans / Assets83.30%53.31%67.71%78.15%88th pctl74 / 629
Brokered Deposits / Depositsn/aNot reported for this institution