BlastPoint

BlastPoint's Banking Scorecard

Homewood Federal Savings Bank

under $100M Specialty: Commercial MD FDIC cert 31267

Designations: ✓ Community bank ✓ Mutual

Baltimore, MD

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 1 in MD.
  • Deposits +0.9% year over year ($50.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.36%.
  • Efficiency ratio 73.24% vs a 119.40% peer average.
  • Loan-to-deposit ratio 111.20% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 1 in MD
View under $100M leaderboard (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 1.48% below tier average
  • + Nonperforming Asset Ratio 0.84% below tier average
  • + Efficiency Ratio 46.16% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 37.00% above tier average
  • - Non-Interest-Bearing Deposit Share 21.06% below tier average
  • - Non-Interest Income / Assets 1.37% below tier average
  • - ROA 0.63% below tier average
  • - Net Interest Margin 0.51% below tier average
Get updates when Homewood Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Total Assets ? $67.3M
+1.1% YoY +2.7% QoQ
+$4.9M $62.4M
-0.0% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $55.6M
+4.7% YoY +1.5% QoQ
+$20.7M $34.9M
-0.6% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $50.0M
+0.9% YoY +3.5% QoQ
-$1.7M $51.6M
-0.2% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 0.36%
-0.8% YoY +401.3% QoQ
-0.63% 1.00%
+3.5% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 3.40%
+26.8% YoY +3.9% QoQ
-0.51% 3.91%
+2.3% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 73.24%
-20.5% YoY -2.6% QoQ
-46.16% 119.40%
+49.6% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 0.00% -1.48% 1.48%
+31.8% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 111.20%
+3.7% YoY -1.9% QoQ
+37.00% 74.21%
+12.6% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
Bottom 3.4% in tier
Non-Interest-Bearing Deposit Share ? 2.43%
+18.0% YoY +16.6% QoQ
-21.06% 23.49%
+0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
Bottom 8.4% in tier
Nonperforming Asset Ratio ? 0.00% -0.84% 0.84%
+23.0% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 38.05%
-3.6% YoY -0.7% QoQ
+10.93% 27.13%
+3.0% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
Top 12.3% in tier
Non-Interest Income / Assets ? 0.01%
-56.1% YoY +159.8% QoQ
-1.37% 1.38%
+6.3% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
Bottom 4.7% in tier

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 (MD) National Avg Tier Percentile
Noninterest-Bearing 2.4%
+0.4pp YoY
+0.3pp QoQ
 -22.2pp 24.6% 21.3% 22.2% 4%
Brokered Deposits n/a n/a 9.8% 10.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 4.5%
-0.1pp YoY
+0.4pp QoQ
 -8.9pp 13.4% 8.9% 12.5% 18%
CRE 52.7%
+6.6pp YoY
+1.9pp QoQ
 +27.5pp 25.2% 50.0% 41.4% 93%
1-4 Family 42.8%
-6.3pp YoY
-2.2pp QoQ
 +7.9pp 35.0% 37.9% 31.3% 66%
Consumer 0.8%
-0.2pp YoY
-0.1pp QoQ
 -6.8pp 7.7% 3.2% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 38.0%
-1.4pp YoY
-0.3pp QoQ
 -0.6pp 38.7% 16.4% 19.7% 78%
Leverage Ratio 26.1%
+0.4pp YoY
+0.1pp QoQ
 +8.4pp 17.7% 13.0% 12.6% 91%
Total Capital Ratio 39.2%
-1.4pp YoY
-0.3pp QoQ
 -0.5pp 39.7% 17.5% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 6
0 YoY
0 QoQ
 -6 12 170 482 13%
Assets per Employee ($) $11.2M
+1.1% YoY
+2.7% QoQ
 +$5.0M $6.2M $9.4M $8.8M 97%
Branch Count 1
0 YoY
0 QoQ
 -1 1 9 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.2% 0.4% n/a
Nonaccrual n/a n/a 1.7% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 6.41x 46.66x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 1.4%
0.0pp YoY
+1.1pp QoQ
 -5.0pp 6.4% 8.0% 11.6% 16%
Cost of Funds (YTD) 2.5%
-0.2pp YoY
0.0pp QoQ
 +1.0pp 1.4% 1.9% 1.7% 92%
Net Income ($, YTD) $121,000
0.0% YoY
— QoQ
 -$197K $317,817 $8.4M $40.4M 26%

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).
Comparing against 536 peers in under $100M

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 1.48%
#1 of 517 Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.84%
#1 of 536 Top 0.1% in under $100M
67
Tier 1 Capital Ratio
capital
Value: 38.05%
Peer Median: 27.13%
#67 of 536 Top 12.3% in under $100M
96
Total Loans
size
Value: $55.57M
Peer Median: $34.89M
#96 of 536 Top 17.7% in under $100M

Top Weaknesses (4 metrics)

519
Loan-to-Deposit Ratio
liquidity
Value: 111.20%
Peer Median: 74.21%
#519 of 536 Bottom 3.4% in under $100M
512
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 1.38%
#512 of 536 Bottom 4.7% in under $100M
492
Non-Interest-Bearing Deposit Share
funding
Value: 2.43%
Peer Median: 23.49%
#492 of 536 Bottom 8.4% in under $100M
414
Return on Assets
profitability
Value: 0.36%
Peer Median: 1.00%
#414 of 536 Bottom 22.9% in under $100M
Powered by BlastPoint © 2026