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Home Savings Bank, FSB

Ludlow, KY · Cert 31723

State savings bank · OCC · 1 branch

Q2 2026

$25.7MAssets
$20.1MLoans
$20.1MDeposits
$2.9MEquity
Loan mix
100%RE $19.9M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $19.6M2%Noninterest $0.5MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.10%Q2 ’255.03%Q2 ’260%+4%

Non-interest income vs. expense

3.24%Q2 ’244.26%Q2 ’254.26%Q2 ’26+32%+0%

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.0% share · #48 of 54 inst. · $0.0B of $187.5B

Executive Summary

  • Earnings: ROA of -1.44%, up 4 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 7.46% of loans (+294 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.19%, down 55 bps from a year ago.
  • Funding: loans stand at 100.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.44%+4 bps YoY

Net Interest Margin (quarter, annualized)

2.75%+10 bps YoY

Efficiency Ratio (quarter, annualized)

148.92%-472 bps YoY

Tier 1 Leverage Ratio

10.19%-55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.48%-1.09%-1.11%-1.13%-1.44%+4 bps
Return on Equity-12.56%-9.28%-9.49%-9.98%-12.82%-26 bps
Net Interest Margin2.65%2.47%2.89%2.39%2.75%+10 bps
Efficiency Ratio153.65%140.91%138.22%146.01%148.92%-472 bps
Non-Interest Burden4.11%3.50%3.97%3.51%4.12%+1 bps
Growth
Asset Growth (YoY)0.88%-1.92%-3.91%-2.83%-7.36%-823 bps
Loan Growth (YoY)3.54%-3.05%-4.57%-11.13%-9.52%-1,306 bps
Deposit Growth (YoY)4.38%3.04%4.29%5.87%5.77%+139 bps
Asset Quality
Nonperforming Loans / Loans4.52%6.67%6.63%7.39%7.46%+294 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.68%0.72%0.73%0.78%0.79%+11 bps
Allowance Coverage of NPLs0.2x0.1x0.1x0.1x0.1x0.0x
Capital
Tier 1 Leverage Ratio10.73%10.62%10.70%10.51%10.19%-55 bps
Total Risk-Based Capital10.73%10.62%10.70%10.51%10.19%-55 bps
Equity / Assets11.62%11.86%11.55%11.08%11.33%-29 bps
Liquidity & Funding
Loans / Deposits117.30%112.76%110.79%100.61%100.35%-1,695 bps
Liquid Assets / Assets16.33%16.10%16.46%22.88%17.60%+128 bps
CRE / Total Capitaln/a165.49%159.98%161.58%n/an/a