Home Savings and Loan Association of Carroll County, F.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.88 percentage points lower than in Q1 2026, at 158.22%. Within Missouri, Home Savings and Loan Association of Carroll County, F.A. is 133rd of 192 on return on assets, 1.17% as of Q2 2026, below the middle of the field. Home Savings and Loan Association of Carroll County, F.A. reported 1.17% on return on assets for Q2 2026, 0.09 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.98% |
| Tier 1 risk-based capital ratio | 23.98% |
| Total risk-based capital ratio | 25.23% |
| Tier 1 leverage ratio | 14.53% |
| Equity capital to assets | 14.69% |
| Tangible equity to tangible assets | 14.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.42% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 158.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 8.11% |
| Net interest margin | 3.36% |
| Efficiency ratio | 57.57% |
| Yield on earning assets | 5.52% |
| Cost of funds | 2.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.91% |
| Core deposits to total deposits | 84.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.94% |
| Securities to assets | 21.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.74% | 23.74% | 24.99% | 14.40% | -0.71% |
| Q4 2023 | 23.66% | 23.66% | 24.91% | 14.37% | 0.46% |
| Q1 2024 | 23.09% | 23.09% | 24.34% | 14.24% | 0.22% |
| Q2 2024 | 23.03% | 23.03% | 24.28% | 14.26% | 0.16% |
| Q3 2024 | 23.37% | 23.37% | 24.62% | 14.28% | 0.43% |
| Q4 2024 | 23.58% | 23.58% | 24.83% | 14.18% | 0.27% |
| Q1 2025 | 24.05% | 24.05% | 25.30% | 14.19% | 0.62% |
| Q2 2025 | 23.30% | 23.30% | 24.55% | 14.32% | 0.67% |
| Q3 2025 | 23.33% | 23.33% | 24.58% | 14.47% | 0.87% |
| Q4 2025 | 23.78% | 23.78% | 25.03% | 14.34% | 0.53% |
| Q1 2026 | 23.56% | 23.56% | 24.81% | 14.28% | 0.74% |
| Q2 2026 | 23.98% | 23.98% | 25.23% | 14.53% | 1.17% |
Home Savings and Loan Association of Carroll County, F.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings and Loan Association of Carroll County, F.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home Savings and Loan Association of Carroll County, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27898) · FFIEC NIC profile (RSSD 612878)