Homewood Federal Savings Bank
Also written as HFSB
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Data as of · sourced from FFIEC call reports. How we update
Homewood Federal Savings Bank is an FDIC-insured savings institution headquartered in Baltimore, MD, established in 1916 (FDIC certificate 31267), and it is supervised by the OCC. At Q2 2026 it reported total assets of $67.3M, up 1.1% from Q2 2025, the 27th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 38.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31267
- Headquarters
- Baltimore, MD
- Established
- 1916
- Total assets, Q2 2026
- $67.3M
- Assets vs Q2 2025
- +1.1%
- CET1 ratio, Q2 2026
- 38.05%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 252070972
- Latest call report
- Q2 2026, FFIEC 051 · Homewood Federal Savings Bank call report
- Asset rank in state
- 27th of 27 in Maryland
Homewood Federal Savings Bank pays more for its money than most banks of its size. Based in Baltimore, Maryland, it had $67 million in assets at June 30, 2026, up 1.1% from a year earlier. It pays an average of 3.24% on its deposits and borrowings, about double the median of 1.53% for the 533 banks with less than $100 million in assets. On the other hand, it funds 26.12% of its assets with Tier 1 capital, about double the median of 12.81% for banks its size.
Earnings jumped: net income for the quarter was $109,000, 63% above the same quarter a year earlier. Over the same year, loans grew 4.7% and deposits grew 0.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.0 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, Homewood Federal Savings Bank reported a CET1 capital ratio of 38.05%, a return on assets of 0.66%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Maryland, Homewood Federal Savings Bank is the smallest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $67.3M, loans rose 1.5% and deposits rose 3.5%. 1-4 family residential loans made up 42.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.5%. Its one office in the FDIC Summary of Deposits is in Baltimore, MD. Judged on its Q2 2026 call report, Homewood Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3228 Eastern Ave, Baltimore, MD 21224
- County
- Baltimore City
- Metro Area
- Baltimore-Columbia-Towson, MD
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1916
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $50.0M
- Allowance for credit losses
- $500K
- Net charge-offs (YTD)
- $0
- Average total assets
- $66.2M
- Average total loans
- $56.3M
- Average interest-bearing deposits
- $47.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31267
- Fed RSSD
- 359472
- Website
- www.homewoodfsb.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Homewood Federal Savings Bank's total assets ran between $60.0M (Q3 2023) and $67.3M (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
$67.3M total assets against $66.6M; $50.0M total liabilities against $49.5M.
$55.6M net loans and leases against $53.1M; $50.0M total deposits against $49.5M.
$299K securities against $374K; $10.4M cash and balances due against $12.1M.
$969K total interest income against $877K; $396K total interest expense against $433K.
$573K net interest income against $444K.
$5K total noninterest income against $2K; $413K total noninterest expense against $405K.
$5K provision for credit losses against $17K.
$109K net income against $67K.
0.66% return on assets against 0.41%; 3.51% net interest margin against 2.74%.
38.05% CET1 capital ratio against 39.49%; 26.12% tier 1 leverage ratio against 25.74%.
Inside the full Homewood Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Homewood Federal Savings Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.07% (Q1 2026) to 1.03% (Q4 2024) and its net interest margin ran from 2.58% (Q1 2025) to 3.51% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 38.05% | 0.66% | 0.00% | 0.00% | 3.51% |
| Q1 2026 | 38.32% | 0.07% | 0.00% | 0.00% | 3.23% |
| Q4 2025 | 38.22% | 0.24% | 0.00% | 0.00% | 3.16% |
| Q3 2025 | 38.80% | 0.75% | 0.00% | 0.00% | 2.95% |
| Q2 2025 | 39.49% | 0.41% | 0.00% | 0.00% | 2.74% |
| Q1 2025 | 40.35% | 0.33% | 0.00% | 0.00% | 2.58% |
| Q4 2024 | 41.64% | 1.03% | 0.00% | 1.88% | 2.95% |
| Q3 2024 | 42.84% | 0.38% | 0.45% | 1.33% | 2.72% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Homewood Federal Savings Bank (main office) | Baltimore , MD | 21224 | $50.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 16, 1989 | Structure Change | Acquired Parkwood Building and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MD, rank 62 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Homewood Federal Savings Bank
What are Homewood Federal Savings Bank's total assets?
As of the Q2 2026 filing, Homewood Federal Savings Bank reported total assets of $67.3 million in its FFIEC call report.
Where is Homewood Federal Savings Bank headquartered?
It is headquartered in Baltimore, MD, United States.
When was Homewood Federal Savings Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Homewood Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Homewood Federal Savings Bank?
Homewood Federal Savings Bank's primary federal regulator is the OCC.
What is Homewood Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 38.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Homewood Federal Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Homewood Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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