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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