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Home Trust & Savings Bank, The

Osage, IA · Cert 963 · HTB Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

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 in IA (n=134 to 135). 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

87

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

Home Trust & Savings Bank, The

Osage, IA · Cert 963 · HTB Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$287.7MAssets
$212.0MLoans
$252.9MDeposits
$28.4MEquity
Loan mix
86%RE $134.5M11%C&I $17.7M3%Consumer $4.1MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $221.9M12%Noninterest $31.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.08%, up 32 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.80% of loans (+24 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.83%, up 41 bps from a year ago.
  • Funding: loans stand at 83.82% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.59%+49 bps YoY

Efficiency Ratio (YTD, annualized)

45.32%-584 bps YoY

Tier 1 Leverage Ratio

10.83%+41 bps YoY

NIM

4.21%Q2 ’244.51%Q2 ’254.75%Q2 ’26+38%+23%

Non-interest income vs. expense

1.03%Q2 ’241.11%Q2 ’251.20%Q2 ’26+10%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.53%0.77%0.76%0.85%0.87%1.00%1.08%+32 bps
Return on Equity6.65%6.99%9.59%9.26%9.95%9.98%10.78%11.43%+217 bps
Net Interest Margin1.57%1.66%2.06%2.09%2.19%2.26%2.52%2.59%+49 bps
Efficiency Ratio62.03%61.81%49.16%51.16%49.09%50.69%44.75%45.32%-584 bps
Non-Interest Burden0.95%1.00%0.96%1.03%1.04%1.11%1.08%1.14%+11 bps
Growth
Asset Growth (YoY)1.89%1.95%1.87%0.11%1.88%-0.04%1.25%0.88%+78 bps
Loan Growth (YoY)4.74%5.13%5.27%1.51%2.42%4.09%4.07%5.86%+436 bps
Deposit Growth (YoY)0.06%2.66%3.58%5.08%4.86%3.47%4.54%2.33%-276 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.67%0.75%0.56%0.51%0.33%0.37%0.80%+24 bps
Net Charge-Offs / Loans0.03%0.03%-0.06%-0.02%-0.02%-0.01%0.03%0.01%+3 bps
Allowance / Loans1.17%1.13%1.17%1.22%1.23%1.17%1.21%1.21%-1 bps
Allowance Coverage of NPLs2.4x1.7x1.6x2.2x2.4x3.6x3.3x1.5x-0.7x
Capital
Tier 1 Leverage Ratio10.13%10.23%10.19%10.42%10.62%10.68%10.66%10.83%+41 bps
Total Risk-Based Capital15.63%15.30%15.37%15.94%16.13%15.96%15.95%16.33%+38 bps
Equity / Assets8.17%7.83%8.31%8.61%9.28%9.31%9.28%9.86%+125 bps
Liquidity & Funding
Loans / Deposits79.98%81.67%81.98%81.02%78.12%82.16%81.61%83.82%+280 bps
Liquid Assets / Assets1.23%1.12%1.13%2.40%3.50%0.55%1.89%0.60%-180 bps
CRE / Total Capitaln/an/an/an/a62.79%60.72%61.53%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

Home Trust & Savings Bank, The

Osage, IA · Cert 963 · Peer group: banks under $1B in assets in IA (n=134-135) · HTB Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$287.7MAssets
$212.0MLoans
$252.9MDeposits
$28.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 87% of banks under $1B in assets in IA (rank 19 of 135).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets in IA (rank 124 of 135).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.10%

Rank 80 of 135

Net Interest Margin

2.59%

Rank 124 of 135

Efficiency Ratio

45.32%

Rank 19 of 135

Equity / Assets

9.86%

Rank 103 of 135

Non-interest income vs. expense

$0.2M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 87% of banks under $1B in assets in IA
Bank 45.32%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.10%0.92%1.19%1.47%Beats 41%80 / 135
Return on Equity11.12%7.99%10.26%13.14%Beats 59%56 / 135
Net Interest Margin2.59%2.95%3.41%3.73%Beats 8%124 / 135
Efficiency Ratio45.32%50.61%57.35%63.29%Beats 87%19 / 135
Asset Quality
Nonperforming Loans / Loans0.80%0.03%0.51%1.26%Beats 37%86 / 134
Net Charge-Offs / Loans0.01%n/a0.01%0.03%Beats 47%72 / 134
Capital
Tier 1 Capital Ratio15.11%11.23%13.31%15.45%Beats 70%41 / 135
Total Risk-Based Capital Ratio16.33%11.61%14.06%16.47%Beats 73%37 / 135
Equity / Assets9.86%9.87%11.05%13.07%Beats 24%103 / 135
Liquidity & Funding
Loans / Deposits83.82%68.54%81.55%91.24%56th pctl59 / 134
Loans / Assets73.68%57.61%68.06%76.23%65th pctl47 / 135
Brokered Deposits / Depositsn/aNot reported for this institution