Home Federal Savings and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 48.41 percentage points in Q2 2026, from 124.24% to 75.83%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, Home Federal Savings and Loan Association is 38th of 44 on return on assets, 0.52% as of Q2 2026, below the middle of the field. Home Federal Savings and Loan Association reported 0.52% on return on assets for Q2 2026, 0.45 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.44% |
| Equity capital to assets | 14.16% |
| Tangible equity to tangible assets | 14.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.65% |
| Non-performing assets ratio | 1.34% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.82% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 75.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.52% |
| Return on equity | 3.65% |
| Net interest margin | 3.74% |
| Efficiency ratio | 86.87% |
| Yield on earning assets | 6.01% |
| Cost of funds | 2.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.04% |
| Core deposits to total deposits | 70.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.85% |
| Securities to assets | 1.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.75% | 0.24% | 3.24% | 0.28% | 0.00% |
| Q4 2023 | 13.49% | -0.45% | 2.88% | 0.26% | 0.26% |
| Q1 2024 | 13.39% | -0.11% | 2.84% | 0.68% | 0.00% |
| Q2 2024 | 13.55% | 0.24% | 3.02% | 0.65% | 0.01% |
| Q3 2024 | 13.34% | 1.00% | 3.18% | 0.94% | 0.01% |
| Q4 2024 | 13.38% | -0.15% | 3.19% | 1.31% | 0.12% |
| Q1 2025 | 13.36% | -0.29% | 3.54% | 0.55% | -0.01% |
| Q2 2025 | 13.49% | 0.50% | 3.61% | 0.74% | 0.00% |
| Q3 2025 | 13.87% | 0.62% | 3.62% | 1.00% | -0.01% |
| Q4 2025 | 14.06% | 0.42% | 3.66% | 1.00% | 0.15% |
| Q1 2026 | 14.16% | 0.24% | 3.52% | 1.04% | 0.00% |
| Q2 2026 | 14.44% | 0.52% | 3.74% | 1.65% | 0.00% |
Home Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Federal Savings and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)