Homewood Federal Savings Bank
Baltimore, MD · Cert 31267 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 1 branch
Q2 2026
$67.3MAssets
$56.1MLoans
$50.0MDeposits
$17.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: return on equity trails 90% of banks under $1B in assets (rank 564 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.36%
Rank 537 of 629
Net Interest Margin
3.32%
Rank 388 of 629
Efficiency Ratio
73.24%
Rank 399 of 629
Equity / Assets
25.69%
Rank 65 of 629
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 37% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.60% | 1.01% | 1.45% | Beats 15% | 537 / 629 | |
| Return on Equity | 1.40% | 5.38% | 9.30% | 13.28% | Beats 10% | 564 / 629 | |
| Net Interest Margin | 3.32% | 3.03% | 3.54% | 4.05% | Beats 38% | 388 / 629 | |
| Efficiency Ratio | 73.24% | 58.35% | 67.79% | 79.08% | Beats 37% | 399 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 38.05% | 11.24% | 13.84% | 18.77% | Beats 89% | 71 / 629 | |
| Total Risk-Based Capital Ratio | 39.15% | 11.58% | 14.43% | 19.66% | Beats 89% | 70 / 629 | |
| Equity / Assets | 25.69% | 9.09% | 10.65% | 13.80% | Beats 90% | 65 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 112.21% | 67.24% | 80.90% | 93.48% | 97th pctl | 20 / 594 | |
| Loans / Assets | 83.30% | 53.31% | 67.71% | 78.15% | 88th pctl | 74 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |