Homewood Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.04 percentage points higher than in Q1 2026, at 99.83%. On loan-to-deposit ratio, Homewood Federal Savings Bank ranks 2nd highest among the 27 banks headquartered in Maryland, at 112.21% (Q2 2026). Homewood Federal Savings Bank's loan-to-deposit ratio of 112.21% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 44.58 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $56.1M |
| Net loans and leases | $55.6M |
| Loans held for sale | $0 |
| Loans to total assets | 83.30% |
| Loan-to-deposit ratio | 112.21% |
| Net loans to equity capital | 3.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.92% |
| Multifamily (5+ residential) | 9.42% |
| Commercial and industrial | 4.48% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 99.83% |
| Construction concentration (Tier 1 capital + allowance) | 34.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.25% |
| Interest income on loans | $880K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $50.3M | $43.4M | 25.22% | 5.66% | 1.08% |
| Q4 2023 | $49.9M | $44.4M | 25.27% | 5.48% | 1.02% |
| Q1 2024 | $49.3M | $44.9M | 25.57% | 5.32% | 1.57% |
| Q2 2024 | $49.0M | $47.6M | 25.59% | 5.37% | 1.51% |
| Q3 2024 | $50.6M | $49.8M | 27.33% | 4.78% | 1.39% |
| Q4 2024 | $51.5M | $49.1M | 31.34% | 5.21% | 1.29% |
| Q1 2025 | $52.4M | $48.6M | 32.14% | 4.90% | 1.16% |
| Q2 2025 | $53.5M | $49.5M | 31.26% | 4.58% | 1.00% |
| Q3 2025 | $54.2M | $49.6M | 31.66% | 4.86% | 0.94% |
| Q4 2025 | $54.8M | $49.6M | 30.85% | 4.14% | 0.94% |
| Q1 2026 | $55.2M | $48.3M | 32.59% | 4.09% | 0.89% |
| Q2 2026 | $56.1M | $50.0M | 31.92% | 4.48% | 0.84% |
Homewood Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Homewood Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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 Homewood Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31267) · FFIEC NIC profile (RSSD 359472)