Home Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Home Federal Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Bamberg, SC, established in 1920 (FDIC certificate 31774), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $40.5M, down 0.4% from Q2 2025, the 41st largest of 43 banks headquartered in South Carolina. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31774
- Headquarters
- Bamberg, SC
- Established
- 1920
- Total assets, Q2 2026
- $40.5M
- Assets vs Q2 2025
- -0.4%
- Tier 1 leverage ratio, Q2 2026
- 14.44%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 253271864
- Latest call report
- Q2 2026, FFIEC 051 · Home Federal Savings and Loan Association call report
- Asset rank in state
- 41st of 43 in South Carolina
Home Federal Savings and Loan Association pays more for its money than most banks of its size. Its balance sheet stood at $40 million at June 30, 2026; it is based in Bamberg, South Carolina. It pays an average of 2.56% on its deposits and borrowings, higher than about three-quarters of the 533 banks with less than $100 million in assets (median 1.53%). It also spends about 87 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.28% of loans from 0.47%.
As of June 30, 2026, Home Federal Savings and Loan Association reported a return on assets of 0.52%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.50%. The figures come from its call report filed with the FFIEC.
Home Federal Savings and Loan Association ranks as the 41st largest of the 43 banks based in South Carolina, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.3% to $40.5M, loans rose 3.5% and deposits rose 2.5%. 1-4 family residential loans made up 80.5% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 6.9%. The FDIC Summary of Deposits lists a single office for it, in Bamberg, SC. On its Q2 2026 call report, Home Federal Savings and Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2990 Main Hwy, Bamberg, SC 29003
- County
- Bamberg
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $33.9M
- Allowance for credit losses
- $411K
- Net charge-offs (YTD)
- $0
- Average total assets
- $39.7M
- Average total loans
- $32.4M
- Average interest-bearing deposits
- $33.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31774
- Fed RSSD
- 582878
- Website
- www.homefedbamberg.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Home Federal Savings and Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Home Federal Savings and Loan Association's total assets ran between $39.5M (Q4 2023) and $42.0M (Q2 2024), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$40.5M total assets against $40.6M; $34.7M total liabilities against $35.1M.
$32.5M net loans and leases against $32.4M; $33.9M total deposits against $34.0M.
$600K securities against $600K; $5.3M cash and balances due against $5.7M.
$562K total interest income against $584K; $212K total interest expense against $231K.
$350K net interest income against $353K.
$46K total noninterest income against $38K; $344K total noninterest expense against $339K.
$1K provision for credit losses against $3K.
$52K net income against $51K.
0.52% return on assets against 0.50%; 3.74% net interest margin against 3.61%.
14.44% tier 1 leverage ratio against 13.49%.
Inside the full Home Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.29% (Q1 2025) to 1.00% (Q3 2024) and its net interest margin ran from 3.18% (Q3 2024) to 3.74% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.44% | 0.52% | 0.28% | 1.50% | 3.74% |
| Q1 2026 | 14.16% | 0.24% | 0.77% | 4.02% | 3.52% |
| Q4 2025 | 14.06% | 0.42% | 0.75% | 4.24% | 3.66% |
| Q3 2025 | 13.87% | 0.62% | 0.72% | 3.84% | 3.62% |
| Q2 2025 | 13.49% | 0.50% | 0.47% | 2.58% | 3.61% |
| Q1 2025 | 13.36% | -0.29% | 0.28% | 1.59% | 3.54% |
| Q4 2024 | 13.38% | -0.15% | 1.07% | 6.08% | 3.19% |
| Q3 2024 | 13.34% | 1.00% | 0.70% | 4.00% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Federal Savings and Loan Association (main office) | Bamberg , SC | 29003 | $33.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SC, rank 70 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Home Federal Savings and Loan Association
What are Home Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Home Federal Savings and Loan Association reported total assets of $40.5 million in its FFIEC call report.
Where is Home Federal Savings and Loan Association headquartered?
It is headquartered in Bamberg, SC, United States.
When was Home Federal Savings and Loan Association founded?
It was established in 1920, per the FDIC institution directory.
Is Home Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #31774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Federal Savings and Loan Association?
Home Federal Savings and Loan Association's primary federal regulator is the FDIC.
How many branches does Home Federal Savings and Loan Association operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 1.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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