PackageTrendsPeer
Letter portraitLegal landscape

Homeland Community Bank

McMinnville, TN · Cert 57632 · Homeland Community Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

54

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 2026-10-11

Homeland Community Bank

McMinnville, TN · Cert 57632 · Homeland Community Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$244.1MAssets
$137.1MLoans
$227.2MDeposits
$14.2MEquity
Loan mix
80%RE $103.4M16%C&I $20.7M4%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $186.7M18%Noninterest $40.5MQ2 2025Q2 2026

NIM

4.72%Q2 ’244.92%Q2 ’254.71%Q2 ’26+1%+9%

Non-interest income vs. expense

2.57%Q2 ’242.52%Q2 ’252.43%Q2 ’26+17%-4%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.0% share · #62 of 62 inst. · $0.0B of $107.8B

15.5% Warren
5.5% Cannon

Executive Summary

  • Earnings: ROA of 0.91%, up 33 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.36% of loans (-8 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.46%, up 67 bps from a year ago.
  • Funding: loans stand at 60.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.91%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+27 bps YoY

Efficiency Ratio (YTD, annualized)

66.67%-777 bps YoY

Tier 1 Leverage Ratio

8.46%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.62%0.65%0.83%0.91%+33 bps
Return on Equity13.89%13.86%13.69%14.35%15.77%+188 bps
Net Interest Margin2.95%3.01%3.08%3.19%3.22%+27 bps
Efficiency Ratio74.44%72.84%71.52%68.95%66.67%-777 bps
Non-Interest Burden2.09%2.07%2.08%2.07%2.01%-8 bps
Growth
Asset Growth (YoY)6.68%3.06%-3.29%-4.00%-1.10%-778 bps
Loan Growth (YoY)3.21%3.20%-0.27%-2.03%1.53%-168 bps
Deposit Growth (YoY)5.48%2.43%-5.35%-5.24%-2.15%-764 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.40%0.38%0.69%0.36%-8 bps
Net Charge-Offs / Loans0.02%0.03%0.02%0.01%0.01%-1 bps
Allowance / Loans0.88%0.88%0.88%0.85%0.84%-4 bps
Allowance Coverage of NPLs2.0x2.2x2.3x1.2x2.3x+0.3x
Capital
Tier 1 Leverage Ratio7.79%7.99%8.08%8.51%8.46%+67 bps
Total Risk-Based Capital13.57%13.99%14.25%14.48%14.72%+114 bps
Equity / Assets4.60%5.33%5.83%5.70%5.83%+123 bps
Liquidity & Funding
Loans / Deposits58.15%60.05%62.78%61.01%60.34%+219 bps
Liquid Assets / Assets10.36%8.04%4.39%8.49%10.76%+41 bps
CRE / Total Capitaln/a272%259%241%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 2026-10-11

Homeland Community Bank

McMinnville, TN · Cert 57632 · Peer group: banks under $1B in assets (n=581-629) · Homeland Community Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$244.1MAssets
$137.1MLoans
$227.2MDeposits
$14.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks under $1B in assets (rank 102 of 629).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets (rank 619 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.88%

Rank 378 of 629

Net Interest Margin

3.22%

Rank 419 of 629

Efficiency Ratio

66.67%

Rank 293 of 629

Equity / Assets

5.83%

Rank 619 of 629

Non-interest income vs. expense

$1.0M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 54% of banks under $1B in assets
Bank 66.67%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.60%1.01%1.45%Beats 40%378 / 629
Return on Equity15.15%5.38%9.30%13.28%Beats 84%102 / 629
Net Interest Margin3.22%3.03%3.54%4.05%Beats 33%419 / 629
Efficiency Ratio66.67%58.35%67.79%79.08%Beats 54%293 / 629
Asset Quality
Nonperforming Loans / Loans0.36%0.09%0.46%1.20%Beats 55%263 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 58%247 / 581
Capital
Tier 1 Capital Ratio13.83%11.24%13.84%18.77%Beats 50%316 / 629
Total Risk-Based Capital Ratio14.72%11.58%14.43%19.66%Beats 52%303 / 629
Equity / Assets5.83%9.09%10.65%13.80%Beats 2%619 / 629
Liquidity & Funding
Loans / Deposits60.34%67.24%80.90%93.48%18th pctl487 / 594
Loans / Assets56.17%53.31%67.71%78.15%28th pctl450 / 629
Brokered Deposits / Depositsn/aNot reported for this institution