BlastPoint's Banking Scorecard
Homestead Savings Bank
Micro
Specialty: Commercial
MI
FDIC cert 28667
Designations: ✓ Community bank ✓ Mutual
Albion, MI
2498
banks in Micro tier nationally
41 in MI
View Micro leaderboard (MI) →
Homestead Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 25.22% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.6M
+1.2% YoY
+0.4% QoQ
|
-$145.9M |
$217.5M
+2.3% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$51.3M
-1.4% YoY
-0.2% QoQ
|
-$87.8M |
$139.2M
+2.8% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$65.0M
+0.2% YoY
+0.1% QoQ
|
-$118.7M |
$183.7M
+1.8% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.64%
+39.9% YoY
+16.1% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
4.66%
+9.7% YoY
+1.0% QoQ
|
+0.80% |
3.85%
+6.6% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
83.02%
-6.2% YoY
-2.0% QoQ
|
+15.29% |
67.73%
-4.8% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.33%
-59.8% YoY
-45.7% QoQ
|
-0.31% |
0.64%
+24.4% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
78.98%
-1.6% YoY
-0.3% QoQ
|
+4.46% |
74.53%
+0.5% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
47.61%
+1.5% YoY
-1.2% QoQ
|
+25.22% |
22.39%
-1.3% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-60.8% YoY
-46.0% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
17.22%
+7.8% YoY
+1.4% QoQ
|
+8.36% |
8.85%
-3.4% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.83%
-19.9% YoY
+43.6% QoQ
|
+0.27% |
0.56%
+0.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.61%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.61% · Tier avg: 22.39%
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%
83
83th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.22% · Tier avg: 8.85%
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.98% · Tier avg: 74.53%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $51.3M · Tier avg: $139.2M
16
16th pctile
Efficiency Ratio
Current: 83.02% · Tier avg: 67.73%
15
15th pctile
Total Deposits
Current: $65.0M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $71.6M · Tier avg: $217.5M
Top Weaknesses
13
13th pctile
Total Assets
Current: $71.6M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $65.0M · Tier avg: $183.7M
16
16th pctile
Efficiency Ratio
Current: 83.02% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $51.3M · Tier avg: $139.2M
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.98% · Tier avg: 74.53%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.22% · Tier avg: 8.85%
83
83th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.61% · Tier avg: 22.39%