Homeland Federal Savings Bank: 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 climbed 65.41 percentage points in Q2 2026, from 60.53% to 125.94%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Homeland Federal Savings Bank is 39th of 103 on return on assets, 1.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Homeland Federal Savings Bank sits 0.27 points higher, at 1.52% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.21% |
| Equity capital to assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.08% |
| Non-performing assets ratio | 1.66% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 16.45% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 125.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 16.89% |
| Net interest margin | 4.15% |
| Efficiency ratio | 60.65% |
| Yield on earning assets | 6.85% |
| Cost of funds | 3.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.32% |
| Core deposits to total deposits | 80.52% |
| Brokered deposits to total deposits | 0.52% |
| Deposits to assets | 87.02% |
| Securities to assets | 3.43% |
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 | 9.62% | 2.94% | 3.71% | 1.02% | 0.35% |
| Q4 2023 | 9.18% | 0.59% | 3.59% | 0.84% | 0.68% |
| Q1 2024 | 9.18% | 0.90% | 3.43% | 0.99% | -0.16% |
| Q2 2024 | 9.24% | 0.99% | 3.39% | 1.66% | 0.01% |
| Q3 2024 | 9.18% | 1.12% | 3.47% | 1.65% | -0.08% |
| Q4 2024 | 9.19% | 0.95% | 3.37% | 1.82% | 1.27% |
| Q1 2025 | 9.43% | 1.02% | 3.57% | 1.20% | 0.84% |
| Q2 2025 | 9.00% | 1.15% | 3.75% | 1.57% | 0.51% |
| Q3 2025 | 8.99% | 1.17% | 3.88% | 1.62% | -0.10% |
| Q4 2025 | 9.22% | 1.05% | 4.01% | 0.99% | 0.17% |
| Q1 2026 | 9.11% | 1.35% | 3.98% | 2.13% | 0.02% |
| Q2 2026 | 9.21% | 1.52% | 4.15% | 1.08% | -0.02% |
Homeland Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Homeland Federal Savings Bank, 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 Homeland Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32459) · FFIEC NIC profile (RSSD 251978)