Home Federal Savings Bank
Rochester, MN · Cert 29042 · Peer group: banks $1B-$10B in assets operating regionally (n=178)
FDIC · 14 branches
Q3 2024
$1.1BAssets
$871.4MLoans
$973.9MDeposits
$98.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 85% of banks $1B-$10B in assets operating regionally (rank 29 of 178).
- Widest gap: efficiency ratio trails 92% of banks $1B-$10B in assets operating regionally (rank 165 of 178).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.32%
Rank 163 of 178
Net Interest Margin
2.60%
Rank 125 of 178
Efficiency Ratio
87.70%
Rank 165 of 178
Equity / Assets
9.00%
Rank 120 of 178
Non-interest income vs. expense
Unfavorable gap of $24.6M · efficiency ratio beats 8% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.66% | 0.92% | 1.23% | Beats 8% | 163 / 178 | |
| Return on Equity | 3.59% | 6.98% | 9.19% | 11.86% | Beats 9% | 162 / 178 | |
| Net Interest Margin | 2.60% | 2.50% | 3.01% | 3.47% | Beats 30% | 125 / 178 | |
| Efficiency Ratio | 87.70% | 58.14% | 65.25% | 73.44% | Beats 8% | 165 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.23% | 0.44% | 0.75% | Beats 68% | 58 / 178 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.05% | 0.13% | Beats 85% | 29 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 12.12% | 11.25% | 12.26% | 13.51% | Beats 47% | 94 / 178 | |
| Total Risk-Based Capital Ratio | 13.37% | 12.10% | 13.37% | 14.55% | Beats 50% | 89 / 178 | |
| Equity / Assets | 9.00% | 8.52% | 9.88% | 11.22% | Beats 33% | 120 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 89.47% | 79.84% | 89.47% | 95.81% | 50th pctl | 89 / 178 | |
| Loans / Assets | 79.58% | 67.36% | 74.55% | 80.29% | 72nd pctl | 49 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |