Home Federal Savings and Loan Association
Total assets
$40.5M
▼ -0.4% YoY
Deposits
$33.9M
▼ -0.2% YoY
Loans
$32.5M
▲ +0.3% YoY
Offices
1
ROA (annualized)
0.38%
peers 0.99%
ROE (annualized)
2.67%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.0% | -3.5 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | +0.3% | +2.6% | -2.3 pts |
| ROA | 0.38% | 0.99% | -0.6 pts |
| ROE | 2.7% | 8.1% | -5.4 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
Profile
- Established
- 1920
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Mortgage Lending Specialization
- Address
- 2990 Main Hwy, Bamberg, SC, 29003
- County
- Bamberg
- Offices
- 1
- FDIC cert #
- 31774
- RSSD ID
- 582878
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.5M | $33.9M | $32.5M | $5.7M | $76K | 0.38% | 3.67% | 0.23% |
| Q1 2026 | $39.6M | $33.1M | $31.4M | $5.7M | $24K | 0.24% | 3.60% | 0.62% |
| Q4 2025 | $40.4M | $33.7M | $31.0M | $5.7M | $126K | 0.31% | 3.66% | 0.64% |
| Q3 2025 | $40.0M | $33.2M | $31.7M | $5.6M | $84K | 0.28% | 3.65% | 0.58% |
| Q2 2025 | $40.6M | $34.0M | $32.4M | $5.5M | $21K | 0.10% | 3.65% | 0.38% |
| Q1 2025 | $40.9M | $34.3M | $32.9M | $5.5M | $-30K | -0.29% | 3.59% | 0.23% |
| Q4 2024 | $41.0M | $34.2M | $32.8M | $5.5M | $101K | 0.25% | 3.10% | 0.88% |
| Q3 2024 | $41.8M | $34.8M | $32.8M | $5.5M | $117K | 0.38% | 3.05% | 0.57% |
Loan mix (Q2 2026): real estate $30.9M · commercial $207K · consumer $1.9M · securities $600K
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.99% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 8.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.88% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 70.8% | 81th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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