PackageTrendsPeer
Letter portraitLegal landscape

Home Federal Savings and Loan Association

Bamberg, SC · Cert 31774

SL · FDIC · 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

14

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

Home Federal Savings and Loan Association

Bamberg, SC · Cert 31774

SL · FDIC · 1 branch

Q2 2026

$40.5MAssets
$32.9MLoans
$33.9MDeposits
$5.7MEquity
Loan mix
94%RE $29.9M1%C&I $0.2M6%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $33.9M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

5.35%Q2 ’245.66%Q2 ’255.58%Q2 ’26+21%+2%

Non-interest income vs. expense

3.09%Q2 ’243.09%Q2 ’253.17%Q2 ’26+0%+10%

Executive Summary

  • Earnings: ROA of 0.38%, up 28 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.28% of loans (-19 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.44%, up 95 bps from a year ago.
  • Funding: loans stand at 97.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+8 bps YoY

Efficiency Ratio (YTD, annualized)

88.56%+531 bps YoY

Tier 1 Leverage Ratio

14.44%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.28%0.31%0.24%0.38%+28 bps
Return on Equity0.76%2.02%2.26%1.69%2.67%+191 bps
Net Interest Margin3.37%3.43%3.45%3.34%3.45%+8 bps
Efficiency Ratio83.25%82.25%83.67%90.71%88.56%+531 bps
Non-Interest Burden2.78%2.78%2.87%3.06%3.05%+27 bps
Growth
Asset Growth (YoY)-3.28%-4.23%-1.63%-3.22%-0.45%+283 bps
Loan Growth (YoY)-0.01%-3.33%-5.56%-4.66%0.27%+28 bps
Deposit Growth (YoY)-3.62%-4.58%-1.61%-3.56%-0.24%+338 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.72%0.75%0.77%0.28%-19 bps
Net Charge-Offs / Loans-0.01%-0.01%0.03%0.00%0.00%+1 bps
Allowance / Loans1.30%1.33%1.31%1.29%1.25%-5 bps
Allowance Coverage of NPLs2.8x1.8x1.7x1.7x4.5x+1.7x
Capital
Tier 1 Leverage Ratio13.49%13.87%14.06%14.16%14.44%+95 bps
Total Risk-Based Capital13.49%13.87%14.06%14.16%14.44%+95 bps
Equity / Assets13.66%14.03%14.01%14.36%14.16%+51 bps
Liquidity & Funding
Loans / Deposits96.54%96.80%93.23%96.08%97.04%+50 bps
Liquid Assets / Assets12.78%13.39%15.84%11.57%11.12%-166 bps
CRE / Total Capitaln/a73.67%71.97%72.07%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.

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

Home Federal Savings and Loan Association

Bamberg, SC · Cert 31774 · Peer group: banks under $1B in assets (n=581-629)

SL · FDIC · 1 branch

Q2 2026

$40.5MAssets
$32.9MLoans
$33.9MDeposits
$5.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 76% of banks under $1B in assets (rank 154 of 629).
  • Widest gap: efficiency ratio trails 86% of banks under $1B in assets (rank 545 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.38%

Rank 531 of 629

Net Interest Margin

3.45%

Rank 339 of 629

Efficiency Ratio

88.70%

Rank 545 of 629

Equity / Assets

14.16%

Rank 154 of 629

Non-interest income vs. expense

$0.0M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 14% of banks under $1B in assets
Bank 88.70%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.38%0.60%1.01%1.45%Beats 16%531 / 629
Return on Equity2.65%5.38%9.30%13.28%Beats 14%539 / 629
Net Interest Margin3.45%3.03%3.54%4.05%Beats 46%339 / 629
Efficiency Ratio88.70%58.35%67.79%79.08%Beats 14%545 / 629
Asset Quality
Nonperforming Loans / Loans0.28%0.09%0.46%1.20%Beats 59%242 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 62%224 / 581
Capital
Tier 1 Capital Ratio14.44%11.24%13.84%18.77%Beats 55%283 / 629
Total Risk-Based Capital Ratio14.44%11.58%14.43%19.66%Beats 50%314 / 629
Equity / Assets14.16%9.09%10.65%13.80%Beats 76%154 / 629
Liquidity & Funding
Loans / Deposits97.04%67.24%80.90%93.48%81st pctl110 / 594
Loans / Assets81.37%53.31%67.71%78.15%84th pctl99 / 629
Brokered Deposits / Depositsn/aNot reported for this institution