Bank Safety Analysis
Is Homestead Savings Bank Safe? Albion, Michigan
Based on its Q3 2026 call report, Homestead Savings Bank meets every capital ratio test for well capitalized, its Texas ratio is 6.90%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Homestead Savings Bank safe?
On its Q3 2026 call report, Homestead Savings Bank's CET1 ratio is 18.61%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 18.61%
- Tier 1 leverage ratio (Q3 2026): 9.40%
- Texas ratio (Q3 2026): 6.90%
- Noncurrent loans ratio (Q3 2026): 0.91%
Homestead Savings Bank is an FDIC-insured savings institution (FDIC Certificate #28667). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Homestead Savings Bank (FDIC Certificate #28667) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Homestead Savings Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
The standout move of Q3 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.67 percentage points higher than in Q2 2026, at 0.91%. Homestead Savings Bank ranks 9th of 41 Michigan banks on CET1 ratio, in the upper half at 18.61% (Q3 2026). Homestead Savings Bank reported 18.61% on CET1 ratio for Q3 2026, 1.35 points below the 19.96% median for banks in the < $100M asset tier.
From Q4 2023 to Q3 2026, Homestead Savings Bank's CET1 ratio ranged between 14.79% (Q1 2024) and 18.61% (Q3 2026) and its Texas ratio ranged between 0.67% (Q1 2026) and 8.30% (Q3 2024). Between Q3 2025 and Q3 2026, Homestead Savings Bank's CET1 ratio rose from 16.97% to 18.61%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.59% to 0.91%, Texas ratio rose from 4.60% to 6.90% and return on assets rose from 0.51% to 0.86%.
Of the 72 banks headquartered in Michigan, Homestead Savings Bank is the 69th largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $27.5M of $50.7M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Homestead Savings Bank's CET1 ratio of 18.61% is below the 19.96% median, Tier 1 leverage ratio of 9.40% is below the 12.88% median, nonperforming loans ratio of 0.91% is above the 0.36% median, Texas ratio of 6.90% is above the 1.89% median, and efficiency ratio of 78.80% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Homestead Savings Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Homestead Savings Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Homestead Savings Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 18.61% | Within range |
| Texas ratio BankRegReports band | 6.90% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.91% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 77.09% | Within range |
| Commercial real estate to capital supervisory threshold | 150.21% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 18.61% |
| Q2 2026 | 18.22% |
| Q1 2026 | 17.59% |
| Q4 2025 | 17.22% |
| Q3 2025 | 16.97% |
| Q2 2025 | 16.42% |
| Q1 2025 | 16.19% |
| Q4 2024 | 15.97% |
| Q3 2024 | 15.68% |
| Q2 2024 | 15.54% |
| Q1 2024 | 14.79% |
| Q4 2023 | 15.34% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 6.90% |
| Q2 2026 | 1.66% |
| Q1 2026 | 0.67% |
| Q4 2025 | 2.43% |
| Q3 2025 | 4.60% |
| Q2 2025 | 4.44% |
| Q1 2025 | 3.27% |
| Q4 2024 | 6.74% |
| Q3 2024 | 8.30% |
| Q2 2024 | 5.67% |
| Q1 2024 | 5.35% |
| Q4 2023 | 4.94% |
Loans by type, Q3 2026
- 1-4 family residential loans: $27.5M
- Non-owner-occupied commercial real estate loans: $9.1M
- Owner-occupied commercial real estate loans: $6.6M
- Commercial and industrial loans: $3.0M
- Multifamily loans: $1.7M
- Construction and land development loans: $853K
- Auto loans: $819K
- All other loans: $378K
How have Homestead Savings Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $72.9M | 18.61% | 9.40% | 0.91% | 6.90% | 78.80% |
| Jun 30, 2026 | $71.6M | 18.22% | 9.42% | 0.24% | 1.66% | 78.93% |
| Mar 31, 2026 | $73.3M | 17.59% | 9.09% | 0.09% | 0.67% | 78.65% |
| Dec 31, 2025 | $71.6M | 17.22% | 9.16% | 0.32% | 2.43% | 78.32% |
| Sep 30, 2025 | $71.3M | 16.97% | 8.82% | 0.59% | 4.60% | 85.03% |
| Jun 30, 2025 | $71.5M | 16.42% | 8.39% | 0.55% | 4.44% | 80.99% |
| Mar 31, 2025 | $72.9M | 16.19% | 8.22% | 0.40% | 3.27% | 88.19% |
| Dec 31, 2024 | $70.8M | 15.97% | 8.40% | 0.80% | 6.74% | 82.70% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Homestead Savings Bank FDIC insured?
Yes. Homestead Savings Bank is an FDIC-insured savings institution (FDIC Certificate #28667). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Homestead Savings Bank well capitalized?
On its Q3 2026 call report, Homestead Savings Bank's CET1 ratio is 18.61%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Homestead Savings Bank's key safety ratios?
For Q3 2026, Homestead Savings Bank reports CET1 18.61%, leverage 9.40%, Texas ratio 6.90%, noncurrent loans 0.91%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Homestead Savings Bank fails?
For Q3 2026, Homestead Savings Bank reported $65.8M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Homestead Savings Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Homestead Savings Bank fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 28667) · FFIEC NIC profile (RSSD 132778)
Explore: Full Homestead Savings Bank profile · Other banks in MI · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.