McMinnville, TN · Cert 57632 · Homeland Community Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
35
Asset Quality
57
Profitability
52
Liquidity
37
Efficiency
54
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.
McMinnville, TN · Cert 57632 · Homeland Community Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.0% share · #62 of 62 inst. · $0.0B of $107.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.72% | 0.55% | 0.58% | 0.62% | 0.65% | 0.83% | 0.91% | +33 bps | |
| Return on Equity | 20.75% | 19.09% | 13.65% | 13.89% | 13.86% | 13.69% | 14.35% | 15.77% | +188 bps | |
| Net Interest Margin | 2.93% | 2.89% | 2.90% | 2.95% | 3.01% | 3.08% | 3.19% | 3.22% | +27 bps | |
| Efficiency Ratio | 70.45% | 71.85% | 76.49% | 74.44% | 72.84% | 71.52% | 68.95% | 66.67% | -777 bps | |
| Non-Interest Burden | 1.87% | 1.91% | 2.12% | 2.09% | 2.07% | 2.08% | 2.07% | 2.01% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.89% | 5.55% | 9.99% | 6.68% | 3.06% | -3.29% | -4.00% | -1.10% | -778 bps | |
| Loan Growth (YoY) | 6.33% | 6.69% | 9.61% | 3.21% | 3.20% | -0.27% | -2.03% | 1.53% | -168 bps | |
| Deposit Growth (YoY) | 3.86% | 6.23% | 8.94% | 5.48% | 2.43% | -5.35% | -5.24% | -2.15% | -764 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.52% | 0.44% | 0.44% | 0.40% | 0.38% | 0.69% | 0.36% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.04% | 0.02% | 0.03% | 0.02% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 0.87% | 0.86% | 0.84% | 0.88% | 0.88% | 0.88% | 0.85% | 0.84% | -4 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.7x | 1.9x | 2.0x | 2.2x | 2.3x | 1.2x | 2.3x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.94% | 7.74% | 7.71% | 7.79% | 7.99% | 8.08% | 8.51% | 8.46% | +67 bps | |
| Total Risk-Based Capital | 13.69% | 13.26% | 13.08% | 13.57% | 13.99% | 14.25% | 14.48% | 14.72% | +114 bps | |
| Equity / Assets | 4.76% | 3.78% | 4.22% | 4.60% | 5.33% | 5.83% | 5.70% | 5.83% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.61% | 59.58% | 59.01% | 58.15% | 60.05% | 62.78% | 61.01% | 60.34% | +219 bps | |
| Liquid Assets / Assets | 6.39% | 7.29% | 9.12% | 10.36% | 8.04% | 4.39% | 8.49% | 10.76% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 272% | 259% | 241% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.60% | 1.01% | 1.45% | Beats 40% | 378 / 629 | ||
| Return on Equity | 15.15% | 5.38% | 9.30% | 13.28% | Beats 84% | 102 / 629 | ||
| Net Interest Margin | 3.22% | 3.03% | 3.54% | 4.05% | Beats 33% | 419 / 629 | ||
| Efficiency Ratio | 66.67% | 58.35% | 67.79% | 79.08% | Beats 54% | 293 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.46% | 1.20% | Beats 55% | 263 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 58% | 247 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.83% | 11.24% | 13.84% | 18.77% | Beats 50% | 316 / 629 | ||
| Total Risk-Based Capital Ratio | 14.72% | 11.58% | 14.43% | 19.66% | Beats 52% | 303 / 629 | ||
| Equity / Assets | 5.83% | 9.09% | 10.65% | 13.80% | Beats 2% | 619 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.34% | 67.24% | 80.90% | 93.48% | 18th pctl | 487 / 594 | ||
| Loans / Assets | 56.17% | 53.31% | 67.71% | 78.15% | 28th pctl | 450 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||