Home Federal Savings and Loan Association
Bamberg, SC · Cert 31774 · Peer group: banks under $1B in assets (n=581-629)
SL · FDIC · 1 branch
Q2 2026
$40.5MAssets
$32.9MLoans
$33.9MDeposits
$5.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 76% of banks under $1B in assets (rank 154 of 629).
- Widest gap: efficiency ratio trails 86% of banks under $1B in assets (rank 545 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.38%
Rank 531 of 629
Net Interest Margin
3.45%
Rank 339 of 629
Efficiency Ratio
88.70%
Rank 545 of 629
Equity / Assets
14.16%
Rank 154 of 629
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 14% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.60% | 1.01% | 1.45% | Beats 16% | 531 / 629 | |
| Return on Equity | 2.65% | 5.38% | 9.30% | 13.28% | Beats 14% | 539 / 629 | |
| Net Interest Margin | 3.45% | 3.03% | 3.54% | 4.05% | Beats 46% | 339 / 629 | |
| Efficiency Ratio | 88.70% | 58.35% | 67.79% | 79.08% | Beats 14% | 545 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.09% | 0.46% | 1.20% | Beats 59% | 242 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 62% | 224 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.44% | 11.24% | 13.84% | 18.77% | Beats 55% | 283 / 629 | |
| Total Risk-Based Capital Ratio | 14.44% | 11.58% | 14.43% | 19.66% | Beats 50% | 314 / 629 | |
| Equity / Assets | 14.16% | 9.09% | 10.65% | 13.80% | Beats 76% | 154 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 97.04% | 67.24% | 80.90% | 93.48% | 81st pctl | 110 / 594 | |
| Loans / Assets | 81.37% | 53.31% | 67.71% | 78.15% | 84th pctl | 99 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |