Homeland Federal Savings Bank
Also written as HFSB
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Data as of · sourced from FFIEC call reports. How we update
Homeland Federal Savings Bank is an FDIC-insured savings institution headquartered in Columbia, LA, established in 1986 (FDIC certificate 32459), and it is supervised by the OCC. At Q2 2026 it reported total assets of $657.8M, up 7.4% from Q2 2025, the 30th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.21% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32459
- Headquarters
- Columbia, LA
- Established
- 1986
- Total assets, Q2 2026
- $657.8M
- Assets vs Q2 2025
- +7.4%
- Tier 1 leverage ratio, Q2 2026
- 9.21%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 311193059
- Latest call report
- Q2 2026, FFIEC 051 · Homeland Federal Savings Bank Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- HOMELAND BANCSHARES, INC.
- Asset rank in state
- 30th of 102 in Louisiana
Homeland Federal Savings Bank pays more for its money than most banks of its size. It reported $658 million in assets at June 30, 2026, up 7.4% from a year earlier. It pays an average of 3.14% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 15.4% of the capital and reserves that would absorb them, 5.8 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $2.5 million, 42% above the same quarter a year earlier. The commercial and industrial book ($71 million) is worsening: 1.49% of it is past due or on nonaccrual, up from 0.50% a year earlier. Where it has less room is capital: it funds 9.21% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Homeland Federal Savings Bank reported a return on assets of 1.52%, a nonperforming-loan ratio of 0.99% and a Texas ratio of 15.38%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Homeland Federal Savings Bank is the 30th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.3% to $657.8M, loans rose 0.6% and deposits rose 2.0%. 1-4 family residential loans made up 33.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.7%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in LA; its Columbia office books 44% of its branch deposits. By the capital ratios in its Q2 2026 call report, Homeland Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7840 Highway 165, Columbia, LA 71418
- County
- Caldwell
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 12, 1986
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 98
- Domestic deposits
- $572.5M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $657.4M
- Average total loans
- $557.8M
- Average interest-bearing deposits
- $462.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32459
- Fed RSSD
- 251978
- SEC CIK
- 1932163 → filed by HOMELAND BANCSHARES, INC.
- Website
- www.homelandbank.com →
- Parent Holding Company
- HOMELAND BANCSHARES, INC. (RSSD 3816547)
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, Homeland Federal Savings Bank 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, Homeland Federal Savings Bank's total assets ran between $527.2M (Q1 2024) and $657.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$657.8M total assets against $612.3M; $597.3M total liabilities against $557.3M.
$555.2M net loans and leases against $521.4M; $572.5M total deposits against $531.3M.
$22.5M securities against $22.8M; $51.7M cash and balances due against $43.4M.
$10.7M total interest income against $9.9M; $4.2M total interest expense against $4.4M.
$6.5M net interest income against $5.5M.
$903K total noninterest income against $774K; $4.5M total noninterest expense against $4.2M.
$400K provision for credit losses against $300K.
$2.5M net income against $1.8M.
1.52% return on assets against 1.15%; 4.15% net interest margin against 3.75%.
9.21% tier 1 leverage ratio against 9.00%.
Inside the full Homeland Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHomeland Federal Savings Bank rankings
Its closest position to the top of a national ranking is 296 of 3,640, for Texas Ratio; its furthest is 1,907 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.95% (Q4 2024) to 1.52% (Q2 2026) and its net interest margin ran from 3.37% (Q4 2024) to 4.15% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.21% | 1.52% | 0.99% | 15.38% | 4.15% |
| Q1 2026 | 9.11% | 1.35% | 1.41% | 15.55% | 3.98% |
| Q4 2025 | 9.22% | 1.05% | 0.90% | 11.59% | 4.01% |
| Q3 2025 | 8.99% | 1.17% | 1.03% | 13.88% | 3.88% |
| Q2 2025 | 9.00% | 1.15% | 1.03% | 12.77% | 3.75% |
| Q1 2025 | 9.43% | 1.02% | 1.66% | 16.77% | 3.57% |
| Q4 2024 | 9.19% | 0.95% | 2.24% | 20.61% | 3.37% |
| Q3 2024 | 9.18% | 1.12% | 1.59% | 14.81% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → 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 |
|---|---|---|---|
| Homeland Federal Savings Bank (main office) | Columbia , LA | 71418 | $249.4M |
| Monroe Branch | Monroe , LA | 71201 | $158.4M |
| West Monroe La Branch | West Monroe , LA | 71291 | $89.1M |
| Bradford Street Branch | Jena , LA | 71342 | $72.1M |
| Olla Branch Office | Olla , LA | 71465 | $3.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 7, 1995. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in LA, rank 35 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $235K approved, $235K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Homeland Federal Savings Bank
What are Homeland Federal Savings Bank's total assets?
As of the Q2 2026 filing, Homeland Federal Savings Bank reported total assets of $657.8 million in its FFIEC call report.
Where is Homeland Federal Savings Bank headquartered?
It is headquartered in Columbia, LA, United States.
When was Homeland Federal Savings Bank founded?
It was established in 1986, per the FDIC institution directory.
Is Homeland Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #32459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Homeland Federal Savings Bank?
Homeland Federal Savings Bank's primary federal regulator is the OCC.
How many branches does Homeland Federal Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Homeland Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 15.38% 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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