BlastPoint's Banking Scorecard
Homestead Savings Bank
Designations: ✓ Community bank ✓ Mutual
Albion, MI
3 branches across MI
Homestead Savings Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 22.31% above tier average
- + Net Interest Margin 1.08% above tier average
- + Efficiency Ratio 8.93% below tier average
- + Delinquency Rate 1.27% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
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
|
+$11.0M |
$62.3M
-0.5% YoY
|
$993.6M
+7.1% YoY
|
$6.2B
+9.0% YoY
|
62% |
| Total Loans ? |
$50.6M
-2.5% YoY
-1.3% QoQ
|
+$16.4M |
$34.3M
-1.5% YoY
|
$752.3M
+11.0% YoY
|
$3.2B
+10.7% YoY
|
78% |
| Total Deposits ? |
$66.5M
-0.5% YoY
+2.3% QoQ
|
+$14.7M |
$51.8M
-0.6% YoY
|
$797.0M
+6.2% YoY
|
$4.8B
+8.0% YoY
|
68% |
| Return on Assets ? |
0.75%
+94.1% YoY
+17.4% QoQ
|
-0.11% |
0.86%
-3.6% YoY
|
1.15%
+24.5% YoY
|
1.24%
+13.1% YoY
|
40% |
| Net Interest Margin ? |
4.95%
+12.2% YoY
+6.3% QoQ
|
+1.08% |
3.87%
+2.7% YoY
|
3.99%
+5.7% YoY
|
3.89%
+5.7% YoY
|
Top 11.2% in tier |
| Efficiency Ratio ? |
78.70%
-10.8% YoY
-5.2% QoQ
|
-8.93% |
87.63%
+2.3% YoY
|
66.95%
-6.0% YoY
|
66.84%
-3.8% YoY
|
37% |
| Delinquency Rate ? |
0.09%
-76.9% YoY
-71.5% QoQ
|
-1.27% |
1.36%
+33.7% YoY
|
0.77%
+25.0% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
76.16%
-2.1% YoY
-3.6% QoQ
|
+12.05% |
64.11%
-0.9% YoY
|
78.66%
+4.3% YoY
|
76.69%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
46.10%
-2.4% YoY
-3.2% QoQ
|
+22.31% |
23.79%
+0.5% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.1% YoY
|
Top 5.4% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-77.6% YoY
-72.5% QoQ
|
-0.71% |
0.77%
+28.7% YoY
|
0.58%
+28.9% YoY
|
0.66%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
17.59%
+8.7% YoY
+2.2% QoQ
|
-9.18% |
26.77%
+2.0% YoY
|
20.91%
-0.1% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.22%
+11.5% YoY
-73.8% QoQ
|
-0.45% |
0.67%
+1.6% YoY
|
0.19%
+5.0% YoY
|
0.32%
+4.0% YoY
|
Top 10.6% in tier |
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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.