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Homewood Federal Savings Bank

Baltimore, MD · Cert 31267

State savings bank · OCC · 1 branch

Q2 2026

$67.3MAssets
$56.1MLoans
$50.0MDeposits
$17.3MEquity
Loan mix
95%RE $52.5M4%C&I $2.3M1%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $48.8M2%Noninterest $1.2MQ2 2025Q2 2026

NIM

4.88%Q2 ’245.22%Q2 ’255.72%Q2 ’26-3%+27%

Non-interest income vs. expense

2.49%Q2 ’242.46%Q2 ’252.45%Q2 ’26-3%+1%

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 0.0% share · #35 of 40 inst. · $0.0B of $106.1B

Executive Summary

  • Earnings: ROA of 0.36%, unchanged from a year ago; NIM at 3.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 26.12%, up 38 bps from a year ago.
  • Funding: loans stand at 112.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%0 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+70 bps YoY

Efficiency Ratio (YTD, annualized)

73.24%-1,893 bps YoY

Tier 1 Leverage Ratio

26.12%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%10.49%10.43%0.07%0.36%0 bps
Return on Equity1.43%1.92%1.67%0.28%1.41%-2 bps
Net Interest Margin2.61%2.72%2.77%3.18%3.32%+70 bps
Efficiency Ratio92.17%89.27%86.37%75.19%73.24%-1,893 bps
Non-Interest Burden2.40%2.42%2.39%2.38%2.42%+2 bps
Growth
Asset Growth (YoY)3.46%0.21%1.22%-0.07%1.13%-232 bps
Loan Growth (YoY)9.21%7.10%6.27%5.47%4.71%-450 bps
Deposit Growth (YoY)3.98%-0.52%1.02%-0.65%0.93%-304 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.85%0.83%0.85%0.90%0.89%+4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio25.74%26.06%25.54%26.00%26.12%+38 bps
Total Risk-Based Capital40.56%39.82%39.26%39.43%39.15%-140 bps
Equity / Assets25.55%25.65%25.70%26.21%25.69%+14 bps
Liquidity & Funding
Loans / Deposits108.16%109.35%110.44%114.34%112.21%+405 bps
Liquid Assets / Assets17.48%16.19%14.38%13.72%14.17%-331 bps
CRE / Total Capitaln/a148.22%157.47%161.79%n/an/a