BlastPoint's Banking Scorecard
Homeland Federal Savings Bank
Community
Specialty: Commercial
LA
FDIC cert 32459
Columbia, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Homeland Federal Savings Bank 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
- - NIB Deposit Bleed: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$638.2M
+10.2% YoY
+2.1% QoQ
|
-$753.3M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$552.0M
+9.2% YoY
+2.6% QoQ
|
-$423.5M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$555.6M
+9.7% YoY
+2.5% QoQ
|
-$609.0M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.10%
+10.5% YoY
-1.4% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.85%
+10.3% YoY
+1.9% QoQ
|
+0.18% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
66.81%
-6.9% YoY
-1.3% QoQ
|
+4.18% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.91%
-59.8% YoY
-12.7% QoQ
|
+0.29% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
99.36%
-0.4% YoY
+0.1% QoQ
|
+16.29% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.01%
-24.3% YoY
-16.1% QoQ
|
-12.03% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
1.19%
-44.2% YoY
-13.7% QoQ
|
+0.69% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.55%
+4.5% YoY
+23.9% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#19 of 89 · Bottom 20% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
9.01%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
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
62
62th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
37
37th pctile
Total Loans
Current: $552.0M · Tier avg: $975.5M
35
35th pctile
Efficiency Ratio
Current: 66.81% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
22
22th pctile
Total Deposits
Current: $555.6M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $638.2M · Tier avg: $1.4B
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.50%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.36% · Tier avg: 83.06%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.01% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.01% · Tier avg: 21.05%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.36% · Tier avg: 83.06%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.50%
20
20th pctile
Total Assets
Current: $638.2M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $555.6M · Tier avg: $1.2B
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Efficiency Ratio
Current: 66.81% · Tier avg: 62.63%
37
37th pctile
Total Loans
Current: $552.0M · Tier avg: $975.5M
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
62
62th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%