PackageTrendsPeer
Letter portraitLegal landscape

Home Bank and Trust Company

Eureka, KS · Cert 4664 · Greenwood Cnty Finl Services

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Wichita, KS area3

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 in the Wichita, KS area (n=20). 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

90

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 2026-10-10

Home Bank and Trust Company

Eureka, KS · Cert 4664 · Greenwood Cnty Finl Services

State charter, non-member · FDIC · 6 branches

Q2 2026

$183.3MAssets
$154.5MLoans
$166.8MDeposits
$15.4MEquity
Loan mix
83%RE $118.3M13%C&I $18.7M4%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $130.8M22%Noninterest $36.0MQ2 2025Q2 2026

NIM

5.58%Q2 ’245.84%Q2 ’255.96%Q2 ’26-2%+14%

Non-interest income vs. expense

2.70%Q2 ’242.61%Q2 ’252.48%Q2 ’26-3%-11%

Market Position · Wichita, KS · 2026 SOD (annual) · 0.4% share · #34 of 46 inst. · $0.1B of $23.2B

0.5% Sedgwick
29.0% Greenwood

Executive Summary

  • Earnings: ROA of 1.77%, up 52 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.63% of loans (+43 bps YoY), with net recoveries of 0.22%.
  • Capital: tier 1 leverage ratio of 8.28%, up 35 bps from a year ago.
  • Funding: loans stand at 92.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.77%+52 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+50 bps YoY

Efficiency Ratio (YTD, annualized)

51.68%-1,035 bps YoY

Tier 1 Leverage Ratio

8.28%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.32%1.23%1.80%1.77%+52 bps
Return on Equity15.99%16.95%15.76%22.56%21.77%+578 bps
Net Interest Margin3.62%3.60%3.45%4.10%4.11%+50 bps
Efficiency Ratio62.03%60.76%63.03%51.94%51.68%-1,035 bps
Non-Interest Burden2.02%1.90%1.93%1.83%1.80%-22 bps
Growth
Asset Growth (YoY)2.15%10.06%11.46%2.10%6.25%+410 bps
Loan Growth (YoY)-0.43%-3.26%-1.49%2.82%8.95%+937 bps
Deposit Growth (YoY)1.32%10.03%11.77%1.62%5.86%+454 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.22%0.02%0.01%0.63%+43 bps
Net Charge-Offs / Loans0.01%0.00%0.17%0.00%-0.22%-23 bps
Allowance / Loans1.16%1.23%1.11%1.03%1.14%-2 bps
Allowance Coverage of NPLs5.5x5.6x48.4x71.9x1.8x-3.7x
Capital
Tier 1 Leverage Ratio7.93%8.12%7.65%8.02%8.28%+35 bps
Total Risk-Based Capital11.98%12.67%12.41%12.16%12.36%+38 bps
Equity / Assets7.96%7.86%7.70%8.25%8.39%+43 bps
Liquidity & Funding
Loans / Deposits89.98%81.38%79.60%89.01%92.60%+262 bps
Liquid Assets / Assets7.41%9.67%15.94%8.92%6.38%-103 bps
CRE / Total Capitaln/a246%214%246%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 2026-10-10

Home Bank and Trust Company

Eureka, KS · Cert 4664 · Peer group: banks under $1B in assets in the Wichita, KS area (n=20) · Greenwood Cnty Finl Services

State charter, non-member · FDIC · 6 branches

Q2 2026

$183.3MAssets
$154.5MLoans
$166.8MDeposits
$15.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Wichita, KS area (rank 7 of 20).
  • Widest gap: equity / assets trails 75% of banks under $1B in assets in the Wichita, KS area (rank 15 of 20).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.76%

Rank 3 of 20

Net Interest Margin

4.11%

Rank 8 of 20

Efficiency Ratio

51.68%

Rank 3 of 20

Equity / Assets

8.39%

Rank 15 of 20

Non-interest income vs. expense

$1.3M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 90% of banks under $1B in assets in the Wichita, KS area
Bank 51.68%Peer median 65.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.76%0.80%1.20%1.35%Beats 85%3 / 20
Return on Equity21.01%9.43%12.85%15.78%Beats 90%2 / 20
Net Interest Margin4.11%3.71%4.04%4.23%Beats 60%8 / 20
Efficiency Ratio51.68%59.34%65.86%71.92%Beats 90%3 / 20
Asset Quality
Nonperforming Loans / Loans0.64%0.06%0.64%1.17%Beats 50%11 / 20
Net Charge-Offs / Loans0.00%n/a0.02%0.09%Beats 100%7 / 20
Capital
Tier 1 Capital Ratio11.11%11.10%11.73%15.56%Beats 30%14 / 20
Total Risk-Based Capital Ratio12.36%11.80%12.57%16.49%Beats 40%12 / 20
Equity / Assets8.39%8.39%8.81%11.24%Beats 25%15 / 20
Liquidity & Funding
Loans / Deposits92.60%62.67%77.26%93.25%70th pctl6 / 20
Loans / Assets84.27%54.38%67.74%81.71%80th pctl4 / 20
Brokered Deposits / Depositsn/aNot reported for this institution