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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

5.50%Q2 ’245.68%Q2 ’255.67%Q2 ’26+19%+3%

Non-interest income vs. expense

2.80%Q2 ’243.30%Q2 ’253.47%Q2 ’26+15%+3%

Executive Summary

  • Earnings: ROA of 0.52%, up 2 bps year over year; NIM at 3.53%.
  • 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 (quarter, annualized)

0.52%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+10 bps YoY

Efficiency Ratio (quarter, annualized)

86.87%+68 bps YoY

Tier 1 Leverage Ratio

14.44%+95 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.63%0.42%0.24%0.52%+2 bps
Return on Equity3.69%4.51%2.98%1.69%3.65%-5 bps
Net Interest Margin3.43%3.43%3.45%3.34%3.53%+10 bps
Efficiency Ratio86.19%80.26%88.12%90.71%86.87%+68 bps
Non-Interest Burden2.93%2.70%3.07%3.06%3.00%+8 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 / Loans0.00%-0.01%0.15%0.00%0.00%0 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