Homepride Bank: 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: 6.70 percentage points higher than in Q1 2026, at 224.72%. Homepride Bank ranks 159th of 192 Missouri banks on return on assets, in the lower half at 0.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Homepride Bank sits 0.33 points lower, at 0.93% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.31% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 10.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.57% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.95% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 224.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 9.24% |
| Net interest margin | 4.52% |
| Efficiency ratio | 80.44% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.80% |
| Core deposits to total deposits | 89.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.37% |
| Securities to assets | 5.67% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.95% | 0.81% | 3.90% | 1.20% | 0.00% |
| Q4 2023 | 9.88% | 0.58% | 3.55% | 1.42% | 0.05% |
| Q1 2024 | 9.70% | 0.81% | 3.58% | 1.52% | 0.14% |
| Q2 2024 | 9.68% | 0.79% | 3.95% | 1.35% | 0.04% |
| Q3 2024 | 9.71% | 0.66% | 3.92% | 1.18% | 0.13% |
| Q4 2024 | 9.97% | 0.61% | 4.13% | 0.70% | -0.03% |
| Q1 2025 | 9.91% | 0.78% | 4.00% | 0.76% | 0.03% |
| Q2 2025 | 9.97% | 1.14% | 4.39% | 0.57% | -0.01% |
| Q3 2025 | 9.99% | 0.54% | 4.23% | 0.56% | 0.28% |
| Q4 2025 | 10.26% | 1.01% | 4.44% | 0.56% | 0.02% |
| Q1 2026 | 10.24% | 0.63% | 4.24% | 0.58% | 0.02% |
| Q2 2026 | 10.31% | 0.93% | 4.52% | 0.57% | 0.00% |
Homepride Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Homepride Bank, 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 Homepride Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11466) · FFIEC NIC profile (RSSD 747051)