Homestead Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Homestead Savings Bank of Albion, MI against its peer group of 536 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 | 0.73% | 3.14% | -2.41% | 35th below |
| ROAE | 8.28% | 10.42% | -2.14% | 49th below |
| Net Interest Margin | 4.54% | 3.93% | +0.61% | 77th top |
| Efficiency Ratio | 78.93% | 76.30% | +2.63% | 34th below |
| PPNR / Avg Assets | 1.07% | 1.40% | -0.33% | 42nd below |
| Yield on Earning Assets | 4.94% | 5.35% | -0.41% | 38th below |
| Cost of Funds | 0.41% | 1.71% | -1.30% | 96th top |
| Net Interest Spread | 4.18% | 3.31% | +0.87% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.34% | 1.34% | +0.00% | 25th below |
| NPA / Total Assets | 0.95% | 0.71% | +0.24% | 20th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.24% | 1.49% | -0.25% | 49th below |
| ACL / NPLs (Coverage) | 91.89% | 866.42% | -774.53% | 38th below |
| Texas Ratio | 9.40% | 8.25% | +1.15% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.22% | 62.04% | -43.82% | 36th below |
| Tier 1 Ratio | 18.22% | 62.05% | -43.83% | 36th below |
| Total Capital Ratio | 19.48% | 63.01% | -43.53% | 36th below |
| Leverage Ratio | 9.42% | 17.62% | -8.20% | 13th bottom |
| Equity / Assets | 9.20% | 16.44% | -7.24% | 18th bottom |
| TCE / Tangible Assets | 9.20% | 16.19% | -6.99% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.08% | 72.82% | +5.26% | 34th below |
| Core Deposit Ratio | 96.27% | 88.20% | +8.07% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.16% | 4.31% | -4.15% | 34th below |
| Loan Growth (Y/Y) | -5.39% | 6.75% | -12.14% | 18th bottom |
| Deposit Growth (Y/Y) | -0.91% | 3.78% | -4.69% | 30th below |
See Homestead Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Homestead Savings Bank, 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 Homestead Savings Bank profile, how to read a UBPR, or how this data updates.