BlastPoint's Banking Scorecard
Homeland Federal Savings Bank
Designations: ✓ CDFI-certified
Columbia, LA
5 branches across LA
Homeland Federal Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio 2.12% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 19.7% in tier
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$643.2M
+8.2% YoY
+0.8% QoQ
|
+$257.1M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$552.1M
+7.4% YoY
+0.0% QoQ
|
+$296.4M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
Top 8.0% in tier |
| Total Deposits ? |
$561.2M
+9.1% YoY
+1.0% QoQ
|
+$233.2M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
85% |
| Return on Assets ? |
1.34%
+33.1% YoY
+22.1% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
4.02%
+13.2% YoY
+4.6% QoQ
|
+0.09% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
63.16%
-8.2% YoY
-5.5% QoQ
|
-2.12% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
1.43%
-15.0% YoY
+56.6% QoQ
|
+0.54% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
98.38%
-1.5% YoY
-1.0% QoQ
|
+21.74% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.54%
-24.4% YoY
+16.9% QoQ
|
-11.48% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.9% in tier |
| Nonperforming Asset Ratio ? |
1.58%
-8.3% YoY
+32.8% QoQ
|
+0.94% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.6% in tier |
| Tier 1 Capital Ratio ? |
9.11%
-3.4% YoY
-1.2% QoQ
|
-6.72% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.5% in tier |
| Non-Interest Income / Assets ? |
0.13%
-31.5% YoY
-76.9% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.