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 | |