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Homeland Federal Savings Bank

Columbia, LA · Cert 32459 · Homeland Bancshares Inc.

State savings bank · OCC · 2 affiliate banks · 5 branches (8 in holding)

Q2 2026

$657.8MAssets
$562.8MLoans
$572.5MDeposits
$60.5MEquity
Loan mix
80%RE $440.7M13%C&I $70.7M7%Consumer $40.6MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $511.1M11%Noninterest $61.4MQ2 2025Q2 2026

NIM

6.05%Q2 ’246.23%Q2 ’256.41%Q2 ’26+6%+13%

Non-interest income vs. expense

2.73%Q2 ’242.72%Q2 ’252.70%Q2 ’26-7%+3%

Market Position · Monroe, LA · 2026 SOD (annual) · 4.0% share · #10 of 20 inst. · $0.2B of $6.2B

42.9% Caldwell
5.5% Ouachita
20.5% LaSalle

Executive Summary

  • Earnings: ROA of 1.13%, up 27 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.99% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.21%, up 21 bps from a year ago.
  • Funding: loans stand at 98.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.13%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+44 bps YoY

Efficiency Ratio (YTD, annualized)

61.91%-592 bps YoY

Tier 1 Leverage Ratio

9.21%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.88%0.87%1.06%1.13%+27 bps
Return on Equity9.40%9.69%9.56%11.60%12.38%+298 bps
Net Interest Margin3.40%3.48%3.49%3.84%3.83%+44 bps
Efficiency Ratio67.83%67.69%66.81%63.16%61.91%-592 bps
Non-Interest Burden2.11%2.16%2.15%2.24%2.17%+7 bps
Growth
Asset Growth (YoY)12.98%10.61%10.23%8.20%7.44%-554 bps
Loan Growth (YoY)8.45%7.86%9.09%7.53%6.75%-170 bps
Deposit Growth (YoY)11.25%10.34%9.71%9.07%7.75%-350 bps
Asset Quality
Nonperforming Loans / Loans1.03%1.03%0.90%1.41%0.99%-3 bps
Net Charge-Offs / Loans0.66%0.39%0.33%0.02%0.00%-66 bps
Allowance / Loans1.10%1.16%1.22%1.29%1.35%+25 bps
Allowance Coverage of NPLs1.1x1.1x1.4x0.9x1.4x+0.3x
Capital
Tier 1 Leverage Ratio9.00%8.99%9.22%9.11%9.21%+21 bps
Total Risk-Based Capital9.00%8.99%9.22%9.11%9.21%+21 bps
Equity / Assets8.99%8.90%9.18%9.03%9.20%+21 bps
Liquidity & Funding
Loans / Deposits99.24%100.42%100.58%99.66%98.32%-92 bps
Liquid Assets / Assets6.53%5.66%5.72%7.30%7.56%+103 bps
CRE / Total Capitaln/a408%395%397%n/an/a