BlastPoint's Banking Scorecard

Homeland Federal Savings Bank

$100M-$1B Specialty: Commercial LA FDIC cert 32459

Designations: ✓ CDFI-certified

Columbia, LA

5 branches across LA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
Deposits +7.7% year over year ($572.5M on the books).
Delinquency rate 1.01%.
Return on assets 1.44%.
Efficiency ratio 61.91% vs a 64.48% peer average.
Loan-to-deposit ratio 96.99% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 73 in LA

View $100M-$1B leaderboard (LA) →

Homeland Federal Savings Bank has 3 strengths but faces 3 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

+ ROA 0.12% above tier average
+ Net Interest Margin 0.14% above tier average
+ Efficiency Ratio 2.56% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 46.2% in tier
- Capital Thin: Bottom 48.1% in tier
- Delinquency Rate 0.09% above tier average

Get updates when Homeland Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$657.8M +7.4% YoY +2.3% QoQ	+$271.3M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$555.2M +6.5% YoY +0.6% QoQ	+$296.9M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Top 7.7% in tier
Total Deposits ?	$572.5M +7.7% YoY +2.0% QoQ	+$245.7M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Top 14.2% in tier
Return on Assets ?	1.44% +32.2% YoY +7.2% QoQ	+0.12%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	4.13% +11.7% YoY +2.5% QoQ	+0.14%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	61%
Efficiency Ratio ?	61.91% -8.7% YoY -2.0% QoQ	-2.56%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	51%
Delinquency Rate ?	1.01% -3.2% YoY -29.6% QoQ	+0.09%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	28%
Loan-to-Deposit Ratio ?	96.99% -1.2% YoY -1.4% QoQ	+19.03%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	Bottom 13.7% in tier
Non-Interest-Bearing Deposit Share ?	10.72% +12.2% YoY +1.7% QoQ	-11.31%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	Bottom 12.0% in tier
Nonperforming Asset Ratio ?	1.59% +25.5% YoY +1.0% QoQ	+0.92%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 10.8% in tier
Tier 1 Capital Ratio ?	9.21% +2.4% YoY +1.1% QoQ	-6.70%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Bottom 2.4% in tier
Non-Interest Income / Assets ?	0.26% -14.7% YoY +106.0% QoQ	-0.30%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	65%

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 (LA)	National Avg	Tier Percentile
Noninterest-Bearing	10.7% +1.2pp YoY +0.2pp QoQ	-11.4pp	22.1%	24.6%	22.2%	12%
Brokered Deposits	0.5% 0.0pp QoQ	-7.3pp	7.9%	6.7%	8.5%	12%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	12.8% +1.1pp YoY 0.0pp QoQ	+1.2pp	11.6%	12.6%	12.5%	68%
CRE	39.7% -3.0pp YoY -2.0pp QoQ	+0.1pp	39.5%	44.9%	41.4%	52%
1-4 Family	34.2% +2.7pp YoY +1.7pp QoQ	+1.5pp	32.6%	34.2%	31.3%	60%
Consumer	7.4% -0.5pp YoY 0.0pp QoQ	+3.3pp	4.1%	4.2%	5.0%	87%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.5%	19.7%	n/a
Leverage Ratio	9.2% +0.2pp YoY +0.1pp QoQ	-3.0pp	12.2%	13.4%	12.6%	15%
Total Capital Ratio	n/a	n/a	19.9%	23.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	98 -3 (-3.0%) YoY 0 QoQ	+39	58	114	482	86%
Assets per Employee ($)	$6.7M +10.7% YoY +2.3% QoQ	-$806K	$7.5M	$6.8M	$8.8M	47%
Branch Count	5 +1 (+25.0%) YoY 0 QoQ	0	4	9	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	38%
Nonaccrual	1.0% +0.1pp YoY -0.4pp QoQ	0.0pp	0.9%	1.4%	1.0%	70%
Allowance Coverage	1.36x +27.0% YoY +49.6% QoQ	-22.79x	24.15x	27.36x	20.23x	37%
Net Charge-off Rate (YTD)	-0.0% -0.7pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	27%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	15.8% +3.8pp YoY +1.0pp QoQ	+3.6pp	12.2%	12.5%	11.6%	72%
Cost of Funds (YTD)	2.8% -0.3pp YoY 0.0pp QoQ	+1.1pp	1.7%	1.7%	1.7%	95%
Net Income ($, YTD)	$4.7M +43.5% YoY — QoQ	+$2.1M	$2.6M	$5.1M	$40.4M	85%

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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 (2)

Liquidity Strain

risk

#320 of 691 • Bottom 46.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.99%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Capital Thin

risk

#319 of 661 • Bottom 48.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.21%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

205

Total Loans

size

Value: $555.22M

Peer Median: $258.35M

#205 of 2643 Top 7.7% in $100M-$1B

376

Total Deposits

size

Value: $572.47M

Peer Median: $326.73M

#376 of 2643 Top 14.2% in $100M-$1B

399

Total Assets

size

Value: $657.84M

Peer Median: $386.57M

#399 of 2643 Top 15.1% in $100M-$1B

Top Weaknesses (4 metrics)

2581

Tier 1 Capital Ratio

capital

Value: 9.21%

Peer Median: 15.91%

#2581 of 2643 Bottom 2.4% in $100M-$1B

2358

Nonperforming Asset Ratio

credit_quality

Value: 1.59%

Peer Median: 0.67%

#2358 of 2643 Bottom 10.8% in $100M-$1B

2326

Non-Interest-Bearing Deposit Share

funding

Value: 10.72%

Peer Median: 22.03%

#2326 of 2643 Bottom 12.0% in $100M-$1B

2282

Loan-to-Deposit Ratio

liquidity

Value: 96.99%

Peer Median: 77.95%

#2282 of 2643 Bottom 13.7% in $100M-$1B