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Letter portraitLegal landscapeQuarterYTD

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