BlastPoint's Banking Scorecard

Homestead Savings Bank

under $100M Specialty: Commercial MI FDIC cert 28667

Designations: ✓ Community bank ✓ Mutual

Albion, MI

3 branches across MI

541 banks in the under $100M peer group nationally 8 in MI

Homestead Savings Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 22.38% above tier average
+ Net Interest Margin 1.09% above tier average
+ Efficiency Ratio 9.65% below tier average
+ Delinquency Rate 1.28% below tier average

Key Concerns

Areas that may need attention

- ROA 0.09% below tier average

Get updates when Homestead Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$73.3M +0.4% YoY +2.3% QoQ	+$11.1M	$62.2M -0.6% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$50.6M -2.5% YoY -1.3% QoQ	+$16.4M	$34.2M -1.4% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$66.5M -0.5% YoY +2.3% QoQ	+$14.8M	$51.7M -0.7% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	0.75% +94.1% YoY +17.4% QoQ	-0.09%	0.84% -2.3% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	4.95% +12.2% YoY +6.3% QoQ	+1.09%	3.86% +2.8% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Top 11.1% in tier
Efficiency Ratio ?	78.70% -10.8% YoY -5.2% QoQ	-9.65%	88.34% +0.3% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	0.09% -76.9% YoY -71.5% QoQ	-1.28%	1.37% +33.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	76.16% -2.1% YoY -3.6% QoQ	+11.95%	64.22% -0.7% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	46.10% -2.4% YoY -3.2% QoQ	+22.38%	23.71% +0.3% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 5.4% in tier
Nonperforming Asset Ratio ?	0.06% -77.6% YoY -72.5% QoQ	-0.72%	0.79% +28.2% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	17.59% +8.7% YoY +2.2% QoQ	-9.09%	26.68% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.22% +11.5% YoY -73.8% QoQ	-0.45%	0.67% +1.9% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Top 10.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 46.10%

Peer Median: 23.71%

#30 of 541 Top 5.4% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.67%

#58 of 541 Top 10.5% in under $100M

Net Interest Margin

profitability

Value: 4.95%

Peer Median: 3.86%

#61 of 541 Top 11.1% in under $100M

121

Total Loans

size

Value: $50.64M

Peer Median: $34.25M

#121 of 541 Top 22.2% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available