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

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	8-Qtr Trend
Earnings
Return on Assets	0.32%	0.66%	0.92%	1.23%	Beats 8%	163 / 178	n/a
Return on Equity	3.59%	6.98%	9.19%	11.86%	Beats 9%	162 / 178	n/a
Net Interest Margin	2.60%	2.50%	3.01%	3.47%	Beats 30%	125 / 178	n/a
Efficiency Ratio	87.70%	58.14%	65.25%	73.44%	Beats 8%	165 / 178	n/a
Asset Quality
Nonperforming Loans / Loans	0.28%	0.23%	0.44%	0.75%	Beats 68%	58 / 178	n/a
Net Charge-Offs / Loans	0.01%	0.01%	0.05%	0.13%	Beats 85%	29 / 178	n/a
Capital
Tier 1 Capital Ratio	12.12%	11.25%	12.26%	13.51%	Beats 47%	94 / 178	n/a
Total Risk-Based Capital Ratio	13.37%	12.10%	13.37%	14.55%	Beats 50%	89 / 178	n/a
Equity / Assets	9.00%	8.52%	9.88%	11.22%	Beats 33%	120 / 178	n/a
Liquidity & Funding
Loans / Deposits	89.47%	79.84%	89.47%	95.81%	50th pctl	89 / 178	n/a
Loans / Assets	79.58%	67.36%	74.55%	80.29%	72nd pctl	49 / 178	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution