Homewood Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Homewood Federal Savings Bank of Baltimore, MD 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 | 0.66% | 3.33% | -2.67% | 32nd below |
| ROAE | 2.53% | 8.30% | -5.77% | 21st bottom |
| Net Interest Margin | 3.51% | 3.93% | -0.42% | 32nd below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 71.45% | 84.49% | -13.04% | 46th below |
| PPNR / Avg Assets | 1.00% | 1.56% | -0.56% | 39th below |
| Yield on Earning Assets | 5.94% | 5.24% | +0.70% | 75th top |
| Cost of Funds | 3.24% | 1.67% | +1.57% | 5th bottom |
| Net Interest Spread | 2.64% | 3.30% | -0.66% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.42% | -1.42% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 0.89% | 1.53% | -0.64% | 19th bottom |
| Texas Ratio | 0.00% | 8.57% | -8.57% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 38.05% | 127.01% | -88.96% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 38.05% | 127.03% | -88.98% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 39.15% | 127.91% | -88.76% | 72nd above |
| Leverage Ratio | 26.12% | 22.08% | +4.04% | 86th top |
| Equity / Assets | 25.69% | 20.72% | +4.97% | 86th top |
| TCE / Tangible Assets | 25.69% | 20.47% | +5.22% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 112.21% | 74.20% | +38.01% | 3rd bottom |
| Core Deposit Ratio | 93.99% | 88.30% | +5.69% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.13% | 3.83% | -2.70% | 41st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.71% | 6.85% | -2.14% | 58th above |
| Deposit Growth (Y/Y) | 0.93% | 2.98% | -2.05% | 43rd below |
See Homewood Federal Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Homewood Federal 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 Homewood Federal Savings Bank profile, how to read a UBPR, or how this data updates.