BlastPoint's Banking Scorecard
Homestead Savings Bank
Designations: ✓ Community bank ✓ Mutual
Albion, MI
3 branches across MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 7 in MI.
- Deposits -0.9% year over year ($64.6M on the books).
- Delinquency rate 0.24%.
- Return on assets 0.75%.
- Efficiency ratio 78.83% vs a 119.40% peer average.
- Loan-to-deposit ratio 77.12% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Homestead Savings Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 22.85% above tier average
- + Non-Interest Income / Assets 0.91% below tier average
- + Net Interest Margin 0.89% above tier average
- + Efficiency Ratio 40.56% below tier average
- + Delinquency Rate 1.24% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.6M
+0.2% YoY
-2.3% QoQ
|
+$9.2M |
$62.4M
-0.0% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$49.8M
-5.6% YoY
-1.7% QoQ
|
+$14.9M |
$34.9M
-0.6% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$64.6M
-0.9% YoY
-2.9% QoQ
|
+$13.0M |
$51.6M
-0.2% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
0.75%
+34.9% YoY
+0.4% QoQ
|
-0.25% |
1.00%
+3.5% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.81%
+3.5% YoY
-2.8% QoQ
|
+0.89% |
3.91%
+2.3% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
78.83%
-6.7% YoY
+0.2% QoQ
|
-40.56% |
119.40%
+49.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.24%
-56.3% YoY
+159.6% QoQ
|
-1.24% |
1.48%
+31.8% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
77.12%
-4.7% YoY
+1.3% QoQ
|
+2.91% |
74.21%
+12.6% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
46.34%
-2.0% YoY
+0.5% QoQ
|
+22.85% |
23.49%
+0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Top 4.1% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-58.8% YoY
+161.3% QoQ
|
-0.67% |
0.84%
+23.0% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
18.22%
+11.0% YoY
+3.6% QoQ
|
-8.90% |
27.13%
+3.0% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.47%
+23.7% YoY
+116.9% QoQ
|
-0.91% |
1.38%
+6.3% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Top 9.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
46.3%
-0.9pp YoY +0.2pp QoQ |
+21.7pp | 24.6% | 25.9% | 22.2% | 96% |
| Brokered Deposits | n/a | n/a | 9.8% | 12.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
+1.0pp YoY +0.2pp QoQ |
-7.2pp | 13.4% | 12.8% | 12.5% | 28% |
| CRE |
36.8%
+0.1pp YoY +0.3pp QoQ |
+11.6pp | 25.2% | 45.9% | 41.4% | 78% |
| 1-4 Family |
54.7%
-0.5pp YoY -0.4pp QoQ |
+19.7pp | 35.0% | 33.6% | 31.3% | 76% |
| Consumer |
1.9%
-0.2pp YoY 0.0pp QoQ |
-5.8pp | 7.7% | 4.6% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.2%
+1.8pp YoY +0.6pp QoQ |
-20.5pp | 38.7% | 26.9% | 19.7% | 37% |
| Leverage Ratio |
9.4%
+1.0pp YoY +0.3pp QoQ |
-8.3pp | 17.7% | 12.3% | 12.6% | 12% |
| Total Capital Ratio |
19.5%
+1.8pp YoY +0.6pp QoQ |
-20.2pp | 39.7% | 27.9% | 20.8% | 37% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
0 YoY +2 (+9.5%) QoQ |
+11 | 12 | 134 | 482 | 94% |
| Assets per Employee ($) |
$3.1M
+0.2% YoY -10.8% QoQ |
-$3.1M | $6.2M | $6.8M | $8.8M | 9% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 9 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.3pp YoY +0.1pp QoQ |
-1.5pp | 1.7% | 0.8% | 1.0% | 26% |
| Allowance Coverage |
5.19x
+175.7% YoY -59.1% QoQ |
-1.22x | 6.41x | 6.79x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
+1.6pp YoY -0.1pp QoQ |
+2.0pp | 6.4% | 11.7% | 11.6% | 52% |
| Cost of Funds (YTD) |
0.4%
-0.1pp YoY 0.0pp QoQ |
-1.0pp | 1.4% | 1.5% | 1.7% | 5% |
| Net Income ($, YTD) |
$270,000
+35.7% YoY — QoQ |
-$48K | $317,817 | $7.3M | $40.4M | 47% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.