BlastPoint's Banking Scorecard
Homewood Federal Savings Bank
Micro
Specialty: Commercial
MD
FDIC cert 31267
Designations: ✓ Community bank ✓ Mutual
Baltimore, MD
2498
banks in Micro tier nationally
10 in MD
View Micro leaderboard (MD) →
Homewood Federal Savings Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 29.37% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.98% above tier
- - Non-Interest-Bearing Deposit Share 18.90% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.8M
+1.2% YoY
+0.0% QoQ
|
-$150.7M |
$217.5M
+2.3% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$54.3M
+6.3% YoY
+1.0% QoQ
|
-$84.9M |
$139.2M
+2.8% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$49.6M
+1.0% YoY
+0.0% QoQ
|
-$134.1M |
$183.7M
+1.8% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.43%
-12.3% YoY
-12.9% QoQ
|
-0.66% |
1.08%
+14.7% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.89%
-0.2% YoY
+4.2% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
86.37%
+1.8% YoY
-3.3% QoQ
|
+18.64% |
67.73%
-4.8% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
109.50%
+5.2% YoY
+1.0% QoQ
|
+34.98% |
74.53%
+0.5% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.49%
+94.4% YoY
+86.6% QoQ
|
-18.90% |
22.39%
-1.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
38.22%
-8.2% YoY
-1.5% QoQ
|
+29.37% |
8.85%
-3.4% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.03%
-64.5% YoY
+15.0% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
38.22%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
109.50%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.49%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Tier 1 Capital Ratio
Current: 38.22% · Tier avg: 8.85%
22
22th pctile
Total Loans
Current: $54.3M · Tier avg: $139.2M
16
16th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.08%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
12
12th pctile
Efficiency Ratio
Current: 86.37% · Tier avg: 67.73%
12
12th pctile
Total Assets
Current: $66.8M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $49.6M · Tier avg: $183.7M
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.49% · Tier avg: 22.39%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.50% · Tier avg: 74.53%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.50% · Tier avg: 74.53%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.49% · Tier avg: 22.39%
10
10th pctile
Total Deposits
Current: $49.6M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $66.8M · Tier avg: $217.5M
12
12th pctile
Efficiency Ratio
Current: 86.37% · Tier avg: 67.73%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
16
16th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.08%
22
22th pctile
Total Loans
Current: $54.3M · Tier avg: $139.2M
99
99th pctile
Tier 1 Capital Ratio
Current: 38.22% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%