Bank Comparison
Middlesex Federal Savings, F.A. vs Home Federal Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Middlesex Federal Savings, F.A. | Home Federal Bank |
|---|---|---|
| CET1 Ratio | — | 13.05% |
| Tier 1 Capital Ratio | — | 13.05% |
| Total Capital Ratio | — | 14.10% |
| Tier 1 Leverage Ratio | 10.04% | 9.44% |
| Equity / Assets | 8.82% | 9.43% |
Profitability
| Metric | Middlesex Federal Savings, F.A. | Home Federal Bank |
|---|---|---|
| Return on Assets (ROA) | 0.10% | 1.11% |
| Return on Equity (ROE) | 1.12% | 11.43% |
| Net Interest Margin (NIM) | 2.62% | 3.74% |
| Yield on Earning Assets | 4.86% | 5.48% |
| Cost of Funds | 2.39% | 1.80% |
Asset quality
| Metric | Middlesex Federal Savings, F.A. | Home Federal Bank |
|---|---|---|
| Texas Ratio | 0.00% | 6.83% |
| Non-Performing Loan Ratio | 0.00% | 0.64% |
| Non-Performing Asset Ratio | 0.00% | 0.61% |
| Net Charge-Off Ratio | 0.00% | -0.03% |
| ACL / Loans | 1.22% | 0.98% |
Balance sheet
| Metric | Middlesex Federal Savings, F.A. | Home Federal Bank |
|---|---|---|
| Total Assets | $641,694K | $641,909K |
| Total Deposits | $575,617K | $575,896K |
| Total Loans | $534,703K | $486,423K |
| Total Equity | $56,585K | $60,541K |
| Net Income (quarter) | $159 | $1,726K |
Liquidity & funding
| Metric | Middlesex Federal Savings, F.A. | Home Federal Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.89% | 84.46% |
| Core Deposit Ratio | 94.65% | 89.65% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Middlesex Federal Savings, F.A. | Home Federal Bank |
|---|---|---|
| Headquarters City | SOMERVILLE | SHREVEPORT |
| Headquarters State | MA | LA |
| Asset Tier | Medium | Medium |
| Charter Class | 701452 | 700057 |
| Regulator | OCC | OCC |
| Domestic Branches | 4 | 11 |
| Employees (FTE) | 73 | 71 |
| Established | Jan. 1, 1890, midnight | Jan. 1, 1924, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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