HOME FEDERAL SAVINGS AND LOAN ASSOCIATION

BAMBERG, SC | Micro | Est. Jan. 1, 1920, midnight | FDIC #31774 | RSSD #582878 | FDIC
Latest Report: 2025-12-31

HOME FEDERAL SAVINGS AND LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in BAMBERG, SC, established in Jan. 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $40M and total deposits of $34M. Profitability stands at 0.42% ROA and 2.98% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 14.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.72% and a Texas Ratio of 4.09%. FDIC Certificate #31774.

Assets

$40M

Deposits

$34M

Loans

$31M

Equity

$6M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 2.98%
Net Interest Margin (NIM) 3.76%
Yield on Assets 6.06%
Cost of Funds 2.53%

Asset Quality

NPL Ratio 0.72%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.09%
NPA Ratio 0.61%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 14.01%
Tier 1 Capital 14.01%
Total Capital Ratio 14.72%
Leverage Ratio 14.06%
Loan-to-Deposit 93.23%

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