| Metric | Home Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +5.7% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +3.2% | +5.3% | -2.2 pts |
| ROA | 1.07% | 1.28% | -0.2 pts |
| ROE | 11.3% | 12.4% | -1.2 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $644.0M | $579.1M | $477.1M | $61.2M | $3.4M | 1.07% | 3.79% | 0.57% |
| Q1 2026 | $641.9M | $575.9M | $481.7M | $60.5M | $1.7M | 1.09% | 3.71% | 0.65% |
| Q4 2025 | $621.9M | $556.3M | $472.4M | $60.2M | $6.2M | 1.00% | 3.58% | 0.41% |
| Q3 2025 | $623.1M | $559.3M | $465.7M | $59.1M | $4.2M | 0.91% | 3.51% | 0.44% |
| Q2 2025 | $609.6M | $547.9M | $462.5M | $57.8M | $2.3M | 0.76% | 3.42% | 0.61% |
| Q1 2025 | $619.5M | $558.3M | $459.3M | $57.3M | $980K | 0.64% | 3.31% | 0.56% |
| Q4 2024 | $607.7M | $547.7M | $458.9M | $56.8M | $4.3M | 0.67% | 3.09% | 0.37% |
| Q3 2024 | $628.5M | $565.5M | $456.3M | $58.8M | $3.0M | 0.63% | 3.04% | 0.31% |
Loan mix (Q2 2026): real estate $419.9M · commercial $58.6M · consumer $636K · securities $99.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Home Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.28% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 61.2% | 54th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Home Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Home Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Home Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Home Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Home Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
11 branches in 3 counties across 1 state (+0 vs 2024) · $547.9M branch deposits. Biggest market: Caddo, LA, ranked 6th with 6.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caddo, LA | 7 | $368.6M | 6.17% | 6th |
| Bossier, LA | 3 | $158.9M | 4.54% | 6th |
| Webster, LA | 1 | $20.4M | 1.78% | 8th |
Louisiana: 43rd with 0.37% · Shreveport-Bossier City metro: 8th, 5.05% ·
Branch count: 2022 10 · 2023 11 · 2024 11 · 2025 11