BlastPoint's Banking Scorecard

Homewood Federal Savings Bank

under $100M Specialty: Commercial MD FDIC cert 31267

Designations: ✓ Community bank ✓ Mutual

Baltimore, MD

541 banks in the under $100M peer group nationally 1 in MD

Homewood Federal Savings Bank has 3 strengths but faces 5 concerns

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

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Efficiency Ratio 13.15% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 49.10% above tier average
- Non-Interest-Bearing Deposit Share 21.63% below tier average
- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.76% below tier average
- Net Interest Margin 0.59% below tier average

Get updates when Homewood Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$65.6M -0.1% YoY -1.9% QoQ	+$3.4M	$62.2M -0.6% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$54.7M +5.4% YoY +0.8% QoQ	+$20.5M	$34.2M -1.4% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$48.3M -0.7% YoY -2.6% QoQ	-$3.4M	$51.7M -0.7% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	0.07% -77.9% YoY -83.1% QoQ	-0.76%	0.84% -2.3% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	3.27% +25.0% YoY +13.3% QoQ	-0.59%	3.86% +2.8% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	75.19% -19.6% YoY -12.9% QoQ	-13.15%	88.34% +0.3% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	113.31% +6.1% YoY +3.5% QoQ	+49.10%	64.22% -0.7% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	Bottom 2.8% in tier
Non-Interest-Bearing Deposit Share ?	2.08% -21.5% YoY -40.4% QoQ	-21.63%	23.71% +0.3% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	Bottom 8.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	38.32% -5.0% YoY +0.3% QoQ	+11.64%	26.68% +2.0% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	Top 11.5% in tier
Non-Interest Income / Assets ?	0.00% -81.2% YoY -86.7% QoQ	-0.66%	0.67% +1.9% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	Bottom 3.3% 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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 38.32%

Peer Median: 26.68%

#63 of 541 Top 11.5% in under $100M

Total Loans

size

Value: $54.73M

Peer Median: $34.25M

#94 of 541 Top 17.2% in under $100M

Top Weaknesses (5 metrics)

527

Loan-to-Deposit Ratio

liquidity

Value: 113.31%

Peer Median: 64.22%

#527 of 541 Bottom 2.8% in under $100M

524

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.67%

#524 of 541 Bottom 3.3% in under $100M

498

Non-Interest-Bearing Deposit Share

funding

Value: 2.08%

Peer Median: 23.71%

#498 of 541 Bottom 8.1% in under $100M

455

Return on Assets

profitability

Value: 0.07%

Peer Median: 0.84%

#455 of 541 Bottom 16.1% in under $100M

415

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.86%

#415 of 541 Bottom 23.5% in under $100M