FDIC Cert #31774 · Bamberg, South Carolina · Est. 1920

Home Federal Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at Home Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$40M
Total assets
C
Health grade · Fair
0.31%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

Home Federal Savings and Loan Association earns a PlainBankData health grade of C (62/100), with well-capitalized at 14.06% Tier 1, 0.31% ROA, 84% efficiency ratio.

#4,187
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
14.06%
Tier 1 ratio - above the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 31774 · SC C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3738/4307
  • PHOTO-FINISH Community Savings Bank · OH
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 3.9% Texas
  • ROA-THIN 0.31% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: Community Savings Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Home Federal Savings and Loan Associa…

Lowest and highest poles plus nearest scored peers outside South Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Savings Bank · OH …62/100First Federal Bank,… · AL · …62/100Home Federal Savings… · SC ·…62/100Homeland Federal Sav… · LA ·…62/100Jarrettsville Federa… · MD ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Home Federal Savings and Loan Associa… · July 2026

Call Report read for Home Federal Savings and Loan Associa… in a high-failure state

Home Federal Savings and Loan Association (FDIC Cert #31774) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,738 of 4,307. Tier 1 capital prints at 14.06%, clearing the 10% well-capitalized line. The Texas Ratio is 3.89%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.31%. Balance-sheet scale is $40M, 4,187th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Savings Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Home Federal Savings and Loan Associa…

10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus

Home Federal Savings and Loan Association sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Home Federal Savings and Loan Association's current Call Report.

  • ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
  • CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
  • PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Carolina banks.

How Home Federal Savings and Loan Association's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Home Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (14.06%) 35/40
Return on Assets (ROA) (0.31%) 7/25
Texas Ratio (3.89%) 20/20
Efficiency Ratio (83.67%) 0/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$40M

Total balance-sheet footings

Total Deposits

$34M

Customer-funded liabilities

Net Loans

$31M

Outstanding loan book

Net Income

$126K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.66% 14.06% 15.46%
Basel III capital ratios - Home Federal Savings and Loan Association

Where Home Federal Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Home Federal Savings and Loan Association's score of 62/100 falls in the highlighted band.

Home Federal Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Home Federal Savings and Loan Associa… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Home Federal Savings and Loan Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Home Federal Savings and Loan Association's $40M falls in the highlighted band.

Capital & credit buffers at Home Federal Savings and Loan Associa…

Tier 1 capital ratio
Well-capitalized 10%

14.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.06%
Texas Ratio
3.89%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Home Federal Savings and Loan Associa…

Return on Assets (ROA)
10th percentile nationally
0.31%
Return on Equity (ROE)
2.26%
Efficiency Ratio
83.67%

What these mean →

Income & expense at Home Federal Savings and Loan Associa…

$2M
Interest Income
$112K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Home Federal Savings and Loan Association reports a Texas Ratio of 3.89% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.89% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Home Federal Savings and Loan Association on FDIC BankFind →

Top banks in South Carolina by total assets

Largest banks headquartered in South Carolina
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Southern First Bank $4.4B

    Greenville, SC · Grade B

  3. 3
    Coastal States Bank $2.3B

    Hilton Head Island, SC · Grade A

  4. 4
    Anderson Brothers Bank $2.2B

    Mullins, SC · Grade A

  5. 5
    First Community Bank $2.1B

    Lexington, SC · Grade A

Top 5 banks in South Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($40M here), outside South Carolina so the neighborhood is not state containment.

First Federal Savings and Loan Associ… $40M · KY NINNESCAH VALLEY BANK $41M · KS Carrollton Federal Bank $41M · KY Avana Bank $41M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Home Federal Savings and Loan Association (FDIC Cert #31774) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Home Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Carolina

All South Carolina banks →
BankAssetsGradeROA
United Community BankGreenville $27.9B A 1.19%
Southern First BankGreenville $4.4B B 0.75%
Coastal States BankHilton Head Island $2.3B A 1.17%
Anderson Brothers BankMullins $2.2B A 1.38%
First Community BankLexington $2.1B A 1.07%
The Conway National BankConway $1.9B A 1.23%
South Atlantic BankMyrtle Beach $1.9B B 0.93%
Bank of Travelers RestTravelers Rest $1.6B A 1.44%