| Metric | Homestead Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.0% | -2.8 pts |
| Deposit growth (YoY) | -0.9% | +2.5% | -3.4 pts |
| Loan growth (YoY) | -5.6% | +2.6% | -8.2 pts |
| ROA | 0.75% | 0.99% | -0.2 pts |
| ROE | 8.4% | 8.1% | +0.3 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.6M | $64.6M | $49.8M | $6.6M | $270K | 0.75% | 4.81% | 0.17% |
| Q1 2026 | $73.3M | $66.5M | $50.6M | $6.5M | $135K | 0.75% | 4.95% | 0.06% |
| Q4 2025 | $71.6M | $65.0M | $51.3M | $6.3M | $455K | 0.64% | 4.66% | 0.23% |
| Q3 2025 | $71.3M | $64.9M | $51.4M | $6.1M | $294K | 0.55% | 4.61% | 0.43% |
| Q2 2025 | $71.5M | $65.2M | $52.8M | $6.0M | $199K | 0.55% | 4.65% | 0.41% |
| Q1 2025 | $72.9M | $66.8M | $52.0M | $5.8M | $69K | 0.38% | 4.41% | 0.29% |
| Q4 2024 | $70.8M | $64.9M | $52.1M | $5.7M | $331K | 0.45% | 4.25% | 0.59% |
| Q3 2024 | $71.5M | $65.6M | $52.9M | $5.6M | $206K | 0.37% | 4.18% | 0.72% |
Loan mix (Q2 2026): real estate $46.3M · commercial $3.1M · consumer $944K · securities $3.7M
| Ratio | Homestead Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.99% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 8.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 70.8% | 66th |
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 | Homestead Savings 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 | Homestead Savings 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 | Homestead Savings 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 | Homestead Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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