Home Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Federal Savings and Loan Association of Bamberg, SC against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.52% | 3.13% | -2.61% | 27th below |
| ROAE | 3.65% | 10.31% | -6.66% | 28th below |
| Net Interest Margin | 3.74% | 3.94% | -0.20% | 42nd below |
| Efficiency Ratio | 86.87% | 76.30% | +10.57% | 22nd bottom |
| PPNR / Avg Assets | 0.52% | 1.40% | -0.88% | 21st bottom |
| Yield on Earning Assets | 6.01% | 5.35% | +0.66% | 76th top |
| Cost of Funds | 2.56% | 1.70% | +0.86% | 14th bottom |
| Net Interest Spread | 3.48% | 3.32% | +0.16% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.65% | 1.33% | +0.32% | 21st bottom |
| NPA / Total Assets | 1.34% | 0.71% | +0.63% | 15th bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.49% | -0.24% | 50th above |
| ACL / NPLs (Coverage) | 75.83% | 866.48% | -790.65% | 32nd below |
| Texas Ratio | 8.82% | 8.26% | +0.56% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.44% | 17.65% | -3.21% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.16% | 16.45% | -2.29% | 62nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.16% | 16.19% | -2.03% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.04% | 72.81% | +24.23% | 12th bottom |
| Core Deposit Ratio | 70.90% | 88.30% | -17.40% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.45% | 4.26% | -4.71% | 29th below |
| Loan Growth (Y/Y) | 0.27% | 6.76% | -6.49% | 41st below |
| Deposit Growth (Y/Y) | -0.24% | 3.73% | -3.97% | 33rd below |
See Home Federal Savings and Loan Association's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Home Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.