BlastPoint's Banking Scorecard
Home Federal Savings and Loan Association
Micro
Specialty: Mortgage
SC
FDIC cert 31774
Designations: ✓ Community bank ✓ Mutual
Bamberg, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Home Federal Savings and Loan Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.4M
-1.6% YoY
+0.9% QoQ
|
-$177.1M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$31.0M
-5.6% YoY
-2.3% QoQ
|
-$108.2M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$33.7M
-1.6% YoY
+1.4% QoQ
|
-$150.0M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.31%
+26.3% YoY
+12.7% QoQ
|
-0.77% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.66%
+18.0% YoY
+0.2% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
83.67%
-10.5% YoY
+1.7% QoQ
|
+15.94% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.76%
-30.0% YoY
+4.1% QoQ
|
+0.12% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
92.01%
-4.1% YoY
-3.7% QoQ
|
+17.49% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
0.00%
+1.6% YoY
-1.4% QoQ
|
-22.39% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.64%
-27.8% YoY
+9.8% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-5.1% YoY
+14.5% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
35
35th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.64%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.01% · Tier avg: 74.53%
15
15th pctile
Efficiency Ratio
Current: 83.67% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.08%
11
11th pctile
Total Loans
Current: $31.0M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $33.7M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $40.4M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
5
5th pctile
Total Assets
Current: $40.4M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $33.7M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $31.0M · Tier avg: $139.2M
12
12th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.08%
15
15th pctile
Efficiency Ratio
Current: 83.67% · Tier avg: 67.73%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.01% · Tier avg: 74.53%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.64%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%