Homestead Savings Bank
Albion, MI · Cert 28667 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 3 branches
Q2 2026
$71.6MAssets
$50.4MLoans
$64.6MDeposits
$6.6MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 80% of banks under $1B in assets operating in a single state (rank 152 of 746).
- Widest gap: efficiency ratio trails 81% of banks under $1B in assets operating in a single state (rank 603 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.75%
Rank 544 of 746
Net Interest Margin
4.25%
Rank 162 of 746
Efficiency Ratio
78.83%
Rank 603 of 746
Equity / Assets
9.20%
Rank 531 of 746
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.72% | 1.06% | 1.45% | Beats 27% | 544 / 746 | | |
| Return on Equity | 8.20% | 6.74% | 10.51% | 13.63% | Beats 35% | 488 / 746 | | |
| Net Interest Margin | 4.25% | 3.17% | 3.68% | 4.16% | Beats 78% | 162 / 746 | | |
| Efficiency Ratio | 78.83% | 55.74% | 64.58% | 75.47% | Beats 19% | 603 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.42% | 1.07% | Beats 64% | 272 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 56% | 327 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.22% | 11.55% | 13.75% | 17.60% | Beats 78% | 164 / 746 | | |
| Total Risk-Based Capital Ratio | 19.48% | 11.71% | 14.33% | 18.43% | Beats 80% | 152 / 746 | | |
| Equity / Assets | 9.20% | 8.90% | 10.51% | 13.06% | Beats 29% | 531 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.08% | 61.31% | 78.27% | 90.78% | 50th pctl | 374 / 746 | | |
| Loans / Assets | 70.44% | 53.60% | 66.97% | 76.08% | 58th pctl | 311 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |