Chatham, LA · Cert 9328 · Homeland Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 1 branch (8 in holding)
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | -0.69% | 0.78% | 0.96% | 3.23% | -1.65% | 1.08% | 1.65% | +69 bps | |
| Return on Equity | 2.95% | -5.16% | 5.94% | 7.24% | 23.05% | -11.33% | 7.37% | 10.98% | +375 bps | |
| Net Interest Margin | 3.53% | 3.74% | 3.62% | 4.18% | 5.66% | 4.23% | 4.06% | 5.32% | +113 bps | |
| Efficiency Ratio | 84.16% | 64.84% | 73.33% | 70.85% | 39.99% | 60.62% | 66.21% | 53.12% | -1,773 bps | |
| Non-Interest Burden | 2.80% | 2.24% | 2.48% | 2.78% | 1.30% | 2.32% | 2.52% | 2.62% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 6.54% | 4.82% | 4.45% | 4.96% | -1.48% | -3.39% | -3.79% | -824 bps | |
| Loan Growth (YoY) | 0.82% | 5.09% | 6.26% | 3.95% | 3.37% | -4.93% | -4.46% | -2.40% | -635 bps | |
| Deposit Growth (YoY) | 1.86% | 7.90% | 5.02% | 4.70% | 4.20% | -3.05% | -5.19% | -5.80% | -1,050 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.46% | 4.14% | 4.51% | 4.13% | 2.10% | 0.95% | 1.63% | 1.32% | -281 bps | |
| Net Charge-Offs / Loans | 0.06% | 1.40% | -0.01% | 0.00% | 0.02% | 4.84% | 0.18% | -0.58% | -58 bps | |
| Allowance / Loans | 1.13% | 1.35% | 1.33% | 1.35% | 1.36% | 1.32% | 1.25% | 1.49% | +14 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.6x | 1.4x | 0.8x | 1.1x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.47% | 9.18% | 9.29% | 9.63% | 10.85% | 10.55% | 11.13% | 11.66% | +204 bps | |
| Total Risk-Based Capital | 13.98% | 13.25% | 13.57% | 14.32% | 16.26% | 15.99% | 16.84% | 17.00% | +268 bps | |
| Equity / Assets | 13.79% | 13.10% | 13.03% | 13.46% | 14.56% | 14.51% | 14.78% | 15.30% | +184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.83% | 92.96% | 92.20% | 92.11% | 93.08% | 91.15% | 92.91% | 95.42% | +332 bps | |
| Liquid Assets / Assets | 10.95% | 10.82% | 12.34% | 12.62% | 11.44% | 13.90% | 12.36% | 11.80% | -82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 266% | 255% | 240% | n/a | n/a | |