BlastPoint's Banking Scorecard
Home Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Bamberg, SC
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 3 in SC.
- Deposits -0.2% year over year ($33.9M on the books).
- Delinquency rate 0.28%.
- Return on assets 0.38%.
- Efficiency ratio 88.56% vs a 119.40% peer average.
- Loan-to-deposit ratio 95.83% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Home Federal Savings and Loan Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 30.84% below tier average
- + Delinquency Rate 1.20% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - ROA 0.62% below tier average
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.5M
-0.4% YoY
+2.3% QoQ
|
-$22.0M |
$62.4M
-0.0% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$32.5M
+0.3% YoY
+3.6% QoQ
|
-$2.4M |
$34.9M
-0.6% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$33.9M
-0.2% YoY
+2.5% QoQ
|
-$17.7M |
$51.6M
-0.2% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
0.38%
+268.4% YoY
+57.7% QoQ
|
-0.62% |
1.00%
+3.5% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.67%
+0.6% YoY
+1.8% QoQ
|
-0.25% |
3.91%
+2.3% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
88.56%
+6.4% YoY
-2.4% QoQ
|
-30.84% |
119.40%
+49.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
0.28%
-40.5% YoY
-63.7% QoQ
|
-1.20% |
1.48%
+31.8% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
95.83%
+0.6% YoY
+1.0% QoQ
|
+21.62% |
74.21%
+12.6% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.00%
+0.2% YoY
-2.4% QoQ
|
-23.49% |
23.49%
+0.6% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.9% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-40.0% YoY
-63.3% QoQ
|
-0.61% |
0.84%
+23.0% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
14.44%
+7.1% YoY
+2.0% QoQ
|
-12.68% |
27.13%
+3.0% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.06%
-63.9% YoY
+197.8% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
21% |
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 (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
0.0%
0.0pp YoY 0.0pp QoQ |
-24.6pp | 24.6% | 21.7% | 22.2% | 0% |
| Brokered Deposits | n/a | n/a | 9.8% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.6%
-0.1pp YoY -0.1pp QoQ |
-12.8pp | 13.4% | 9.8% | 12.5% | 2% |
| CRE |
13.6%
+0.7pp YoY +0.6pp QoQ |
-11.6pp | 25.2% | 43.3% | 41.4% | 26% |
| 1-4 Family |
81.6%
-1.0pp YoY -0.5pp QoQ |
+46.6pp | 35.0% | 44.4% | 31.3% | 92% |
| Consumer |
5.8%
+0.4pp YoY 0.0pp QoQ |
-1.9pp | 7.7% | 4.5% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 18.1% | 19.7% | n/a |
| Leverage Ratio |
14.4%
+1.0pp YoY +0.3pp QoQ |
-3.2pp | 17.7% | 12.3% | 12.6% | 66% |
| Total Capital Ratio | n/a | n/a | 39.7% | 19.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 174 | 482 | 13% |
| Assets per Employee ($) |
$6.7M
-0.4% YoY +2.3% QoQ |
+$555K | $6.2M | $7.8M | $8.8M | 62% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.2pp YoY -0.5pp QoQ |
-1.5pp | 1.7% | 0.5% | 1.0% | 29% |
| Allowance Coverage |
4.47x
+61.5% YoY +167.0% QoQ |
-1.94x | 6.41x | 15.59x | 20.23x | 78% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.7%
+1.9pp YoY +1.0pp QoQ |
-3.7pp | 6.4% | 11.7% | 11.6% | 22% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.8pp | 1.4% | 1.6% | 1.7% | 88% |
| Net Income ($, YTD) |
$76,000
+261.9% YoY — QoQ |
-$242K | $317,817 | $9.6M | $40.4M | 22% |
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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.