Homeland Federal Savings Bank
Columbia, LA · Cert 32459 · Peer group: banks under $1B in assets (n=581-629) · Homeland Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 5 branches (8 in holding)
Q2 2026
$657.8MAssets
$562.8MLoans
$572.5MDeposits
$60.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets (rank 204 of 629).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets (rank 610 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 277 of 629
Net Interest Margin
3.83%
Rank 214 of 629
Efficiency Ratio
61.91%
Rank 204 of 629
Equity / Assets
9.20%
Rank 457 of 629
Non-interest income vs. expense
Unfavorable gap of $14.3M · efficiency ratio beats 68% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.60% | 1.01% | 1.45% | Beats 56% | 277 / 629 | | |
| Return on Equity | 12.08% | 5.38% | 9.30% | 13.28% | Beats 67% | 207 / 629 | | |
| Net Interest Margin | 3.83% | 3.03% | 3.54% | 4.05% | Beats 66% | 214 / 629 | | |
| Efficiency Ratio | 61.91% | 58.35% | 67.79% | 79.08% | Beats 68% | 204 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.09% | 0.46% | 1.20% | Beats 30% | 405 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 38% | 360 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.21% | 11.24% | 13.84% | 18.77% | Beats 3% | 610 / 629 | | |
| Total Risk-Based Capital Ratio | 9.21% | 11.58% | 14.43% | 19.66% | Beats 3% | 610 / 629 | | |
| Equity / Assets | 9.20% | 9.09% | 10.65% | 13.80% | Beats 27% | 457 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.32% | 67.24% | 80.90% | 93.48% | 83rd pctl | 101 / 594 | | |
| Loans / Assets | 85.56% | 53.31% | 67.71% | 78.15% | 94th pctl | 39 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |