HOMESTEAD SAVINGS BANK

ALBION, MI | Micro | Est. Jan. 1, 1889, midnight | FDIC #28667 | RSSD #132778 | OCC
Latest Report: 2025-12-31

HOMESTEAD SAVINGS BANK is amn micro FDIC-insured commercial bank headquartered in ALBION, MI, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $72M and total deposits of $65M. Profitability stands at 0.90% ROA and 10.34% ROE, with a net interest margin of 4.68%. The bank's CET1 capital ratio is 17.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 2.43%. FDIC Certificate #28667.

Assets

$72M

Deposits

$65M

Loans

$52M

Equity

$6M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 10.34%
Net Interest Margin (NIM) 4.68%
Yield on Assets 5.13%
Cost of Funds 0.87%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.04%
Texas Ratio 2.43%
NPA Ratio 0.23%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 17.22%
Tier 1 Capital 17.22%
Total Capital Ratio 18.47%
Leverage Ratio 9.16%
Loan-to-Deposit 79.84%

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