BlastPoint's Banking Scorecard
Home Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Bamberg, SC
Home Federal Savings and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 23.78% below tier average
- - Non-Interest Income / Assets 0.73% below tier average
- - ROA 0.61% below tier average
- - Net Interest Margin 0.26% below tier average
- - Efficiency Ratio 3.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$39.6M
-3.2% YoY
-2.0% QoQ
|
-$22.7M |
$62.3M
-0.5% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.0% YoY
|
20% |
| Total Loans ? |
$31.4M
-4.7% YoY
+1.3% QoQ
|
-$2.9M |
$34.3M
-1.5% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.7% YoY
|
49% |
| Total Deposits ? |
$33.1M
-3.6% YoY
-1.7% QoQ
|
-$18.7M |
$51.8M
-0.6% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.0% YoY
|
21% |
| Return on Assets ? |
0.24%
+182.0% YoY
-22.6% QoQ
|
-0.61% |
0.86%
-3.6% YoY
|
1.18%
+45.0% YoY
|
1.24%
+13.1% YoY
|
20% |
| Net Interest Margin ? |
3.60%
+0.4% YoY
-1.5% QoQ
|
-0.26% |
3.87%
+2.7% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
90.71%
+13.2% YoY
+8.4% QoQ
|
+3.08% |
87.63%
+2.3% YoY
|
67.38%
-5.7% YoY
|
66.84%
-3.8% YoY
|
20% |
| Delinquency Rate ? |
0.78%
+173.4% YoY
+2.4% QoQ
|
-0.58% |
1.36%
+33.7% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
94.85%
-1.2% YoY
+3.1% QoQ
|
+30.74% |
64.11%
-0.9% YoY
|
73.64%
+1.6% YoY
|
76.69%
+0.9% YoY
|
Bottom 11.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.00%
+3.7% YoY
+1.7% QoQ
|
-23.78% |
23.79%
+0.5% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.1% YoY
|
Bottom 4.8% in tier |
| Nonperforming Asset Ratio ? |
0.62%
+169.3% YoY
-2.7% QoQ
|
-0.15% |
0.77%
+28.7% YoY
|
0.34%
+10.8% YoY
|
0.66%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
14.16%
+5.9% YoY
+0.7% QoQ
|
-12.62% |
26.77%
+2.0% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
-0.06%
-191.4% YoY
-120.9% QoQ
|
-0.73% |
0.67%
+1.6% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.0% YoY
|
Bottom 0.4% 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)
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Metric Rankings
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