Homestead Savings Bank
Albion, MI · Cert 28667 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
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 79% of banks under $1B in assets operating in a single state (rank 156 of 752).
- Widest gap: efficiency ratio trails 81% of banks under $1B in assets operating in a single state (rank 607 of 752).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.75%
Rank 550 of 752
Net Interest Margin
4.25%
Rank 170 of 752
Efficiency Ratio
78.83%
Rank 607 of 752
Equity / Assets
9.20%
Rank 542 of 752
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% | 1.07% | 1.45% | Beats 27% | 550 / 752 | | |
| Return on Equity | 8.20% | 6.78% | 10.58% | 13.65% | Beats 35% | 491 / 752 | | |
| Net Interest Margin | 4.25% | 3.18% | 3.69% | 4.17% | Beats 77% | 170 / 752 | | |
| Efficiency Ratio | 78.83% | 55.75% | 64.49% | 75.47% | Beats 19% | 607 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.09% | 0.42% | 1.03% | Beats 63% | 278 / 748 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 322 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 18.22% | 11.55% | 13.75% | 17.60% | Beats 78% | 168 / 752 | | |
| Total Risk-Based Capital Ratio | 19.48% | 11.70% | 14.33% | 18.47% | Beats 79% | 156 / 752 | | |
| Equity / Assets | 9.20% | 8.93% | 10.56% | 13.13% | Beats 28% | 542 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.08% | 62.23% | 78.64% | 91.26% | 49th pctl | 383 / 752 | | |
| Loans / Assets | 70.44% | 54.61% | 67.41% | 76.47% | 57th pctl | 320 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |