Home Federal Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.94 percentage points higher than in Q1 2026, at 36.99%. Within South Carolina, Home Federal Savings and Loan Association is 5th of 44 on loan-to-deposit ratio, 97.04% as of Q2 2026, above the middle of the field. Home Federal Savings and Loan Association reported 97.04% on loan-to-deposit ratio for Q2 2026, 29.42 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $32.9M |
| Net loans and leases | $32.5M |
| Loans held for sale | $0 |
| Loans to total assets | 81.37% |
| Loan-to-deposit ratio | 97.04% |
| Net loans to equity capital | 5.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.08% |
| Multifamily (5+ residential) | 0.45% |
| Commercial and industrial | 0.63% |
| Consumer | 5.68% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 39.42% |
| Construction concentration (Tier 1 capital + allowance) | 36.99% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.47% |
| Interest income on loans | $524K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $32.0M | $33.6M | 5.77% | 0.00% | 5.11% |
| Q4 2023 | $32.2M | $33.0M | 6.92% | 0.00% | 5.29% |
| Q1 2024 | $32.3M | $34.3M | 6.77% | 0.00% | 5.11% |
| Q2 2024 | $32.8M | $35.3M | 6.89% | 0.00% | 5.19% |
| Q3 2024 | $33.2M | $34.8M | 6.71% | 0.00% | 4.94% |
| Q4 2024 | $33.2M | $34.2M | 6.63% | 0.00% | 5.20% |
| Q1 2025 | $33.4M | $34.3M | 6.51% | 0.76% | 5.05% |
| Q2 2025 | $32.8M | $34.0M | 6.52% | 0.75% | 5.31% |
| Q3 2025 | $32.1M | $33.2M | 6.56% | 0.73% | 5.21% |
| Q4 2025 | $31.4M | $33.7M | 6.61% | 0.72% | 5.24% |
| Q1 2026 | $31.8M | $33.1M | 6.43% | 0.68% | 5.70% |
| Q2 2026 | $32.9M | $33.9M | 6.08% | 0.63% | 5.68% |
Home Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Savings and Loan Association, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31774) · FFIEC NIC profile (RSSD 582878)