Columbia, LA · Cert 32459 · Homeland Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 5 branches (8 in holding)
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 4.0% share · #10 of 20 inst. · $0.2B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.76% | 0.79% | 0.92% | 0.92% | 0.83% | 1.06% | 1.21% | +29 bps | |
| Return on Equity | 9.75% | 8.28% | 8.66% | 10.09% | 10.25% | 9.20% | 11.60% | 13.26% | +316 bps | |
| Net Interest Margin | 3.33% | 3.23% | 3.40% | 3.57% | 3.71% | 3.81% | 3.84% | 3.95% | +38 bps | |
| Efficiency Ratio | 71.02% | 68.66% | 68.79% | 66.90% | 67.44% | 64.35% | 63.16% | 60.74% | -616 bps | |
| Non-Interest Burden | 2.21% | 2.00% | 2.10% | 2.22% | 2.31% | 2.29% | 2.24% | 2.18% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.95% | 6.89% | 12.75% | 12.98% | 10.61% | 10.23% | 8.20% | 7.44% | -554 bps | |
| Loan Growth (YoY) | 9.31% | 9.86% | 11.36% | 8.45% | 7.86% | 9.09% | 7.53% | 6.75% | -170 bps | |
| Deposit Growth (YoY) | 2.59% | 6.91% | 10.73% | 11.25% | 10.34% | 9.71% | 9.07% | 7.75% | -350 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.59% | 2.24% | 1.66% | 1.03% | 1.03% | 0.90% | 1.41% | 0.99% | -3 bps | |
| Net Charge-Offs / Loans | -0.07% | 1.26% | 0.83% | 0.51% | -0.10% | 0.17% | 0.02% | -0.02% | -52 bps | |
| Allowance / Loans | 1.60% | 1.34% | 1.19% | 1.10% | 1.16% | 1.22% | 1.29% | 1.35% | +25 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.6x | 0.7x | 1.1x | 1.1x | 1.4x | 0.9x | 1.4x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.19% | 9.43% | 9.00% | 8.99% | 9.22% | 9.11% | 9.21% | +21 bps | |
| Total Risk-Based Capital | 9.18% | 9.19% | 9.43% | 9.00% | 8.99% | 9.22% | 9.11% | 9.21% | +21 bps | |
| Equity / Assets | 9.17% | 9.15% | 9.21% | 8.99% | 8.90% | 9.18% | 9.03% | 9.20% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.74% | 101.16% | 101.09% | 99.24% | 100.42% | 100.58% | 99.66% | 98.32% | -92 bps | |
| Liquid Assets / Assets | 4.26% | 4.84% | 5.23% | 6.53% | 5.66% | 5.72% | 7.30% | 7.56% | +103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 408% | 395% | 397% | n/a | n/a | |