Homestead 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.66 percentage points lower than in Q1 2026, at 91.89%. Within Michigan, Homestead Savings Bank is 62nd of 72 on return on assets, 0.73% as of Q2 2026, below the middle of the field. Homestead Savings Bank reported 0.73% on return on assets for Q2 2026, 0.25 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.22% |
| Tier 1 risk-based capital ratio | 18.22% |
| Total risk-based capital ratio | 19.48% |
| Tier 1 leverage ratio | 9.42% |
| Equity capital to assets | 9.20% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.34% |
| Non-performing assets ratio | 0.95% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 9.40% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 91.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.73% |
| Return on equity | 8.28% |
| Net interest margin | 4.54% |
| Efficiency ratio | 78.93% |
| Yield on earning assets | 4.94% |
| Cost of funds | 0.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.08% |
| Core deposits to total deposits | 96.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.21% |
| Securities to assets | 5.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.59% | 14.59% | 15.85% | 7.55% | 0.49% |
| Q4 2023 | 15.34% | 15.34% | 16.60% | 7.91% | 0.50% |
| Q1 2024 | 14.79% | 14.79% | 16.04% | 7.65% | 0.38% |
| Q2 2024 | 15.54% | 15.54% | 16.79% | 7.84% | 0.45% |
| Q3 2024 | 15.68% | 15.68% | 16.94% | 7.97% | 0.24% |
| Q4 2024 | 15.97% | 15.97% | 17.22% | 8.40% | 0.68% |
| Q1 2025 | 16.19% | 16.19% | 17.44% | 8.22% | 0.36% |
| Q2 2025 | 16.42% | 16.42% | 17.67% | 8.39% | 0.68% |
| Q3 2025 | 16.97% | 16.97% | 18.23% | 8.82% | 0.51% |
| Q4 2025 | 17.22% | 17.22% | 18.47% | 9.16% | 0.88% |
| Q1 2026 | 17.59% | 17.59% | 18.84% | 9.09% | 0.72% |
| Q2 2026 | 18.22% | 18.22% | 19.48% | 9.42% | 0.73% |
Homestead Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Homestead 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 Homestead Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28667) · FFIEC NIC profile (RSSD 132778)