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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

4.93%Q2 ’245.00%Q2 ’254.84%Q2 ’26-1%+11%

Non-interest income vs. expense

2.63%Q2 ’242.52%Q2 ’252.46%Q2 ’26+31%-3%

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 0.99%, up 38 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.36% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.99%+38 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+33 bps YoY

Efficiency Ratio (quarter, annualized)

64.59%-792 bps YoY

Tier 1 Leverage Ratio

8.46%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.69%0.73%0.83%0.99%+38 bps
Return on Equity13.98%13.89%13.02%14.35%17.24%+326 bps
Net Interest Margin3.03%3.11%3.20%3.19%3.37%+33 bps
Efficiency Ratio72.51%69.81%67.69%68.95%64.59%-792 bps
Non-Interest Burden2.08%2.03%2.03%2.07%2.02%-5 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 / Loans-0.01%0.04%-0.01%0.01%0.00%+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