Total Assets
$638M
Total balance-sheet footings
FDIC Cert #32459 · Columbia, Louisiana · Est. 1986
Homeland Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Homeland Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $638M
- Total assets
- C
- Health grade · Fair
- 1.10%
- Return on assets
- 9.2%
- Tier 1 capital
Data updated July 2026
The verdict
Homeland Federal Savings Bank earns a PlainBankData health grade of C (62/100), with 9.22% Tier 1 capital, profitable at 1.10% ROA, 67% efficiency ratio.
- #1,493
- largest of 4,313 FDIC banks by assets
- 65th
- percentile by asset size, nationally
- 9.22%
- Tier 1 ratio - below the 10% well-capitalized line
- 50th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Homeland Federal Savings Bank'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.
Homeland Federal Savings Bank's composite health score
Tier 1 Capital Ratio (9.22%) 18/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (7.71%) 16/20
Efficiency Ratio (66.81%) 8/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$556M
Customer-funded liabilities
Net Loans
$552M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Homeland Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Homeland Federal Savings Bank's score of 62/100 falls in the highlighted band.
Homeland Federal Savings Bank'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). Homeland Federal Savings Bank's $638M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.22% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.22%
Texas Ratio
7.71%
Equity Capital
$59M
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
12.12%
Efficiency Ratio
66.81%
What the numbers say about Homeland Federal Savings Bank
Homeland Federal Savings Bank is an FDIC-insured institution (Certificate #32459) headquartered in Columbia, Louisiana, established in 1986. It holds $638M in total assets - 1,493rd of 4,313 FDIC-insured banks, $556M in customer deposits, and $552M in net loans. Looking at capital strength, Tier 1 stands at 9.22%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 7.71%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Louisiana, Homeland Federal Savings Bank ranks 29th of 106 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$40M
Interest Income
$4M
Non-Interest Income
$17M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Homeland Federal Savings Bank reports a Texas Ratio of 7.71% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Homeland Federal Savings Bank (FDIC Cert #32459) - 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.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
Frequently asked questions
What is Homeland Federal Savings Bank's health grade?▼
Homeland Federal Savings Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Homeland Federal Savings Bank?▼
Homeland Federal Savings Bank holds $638M in total assets and $556M in deposits, ranking 1,493rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Columbia, Louisiana.
Is my money safe at Homeland Federal Savings Bank?▼
Yes, deposits at Homeland Federal Savings Bank (Certificate #32459) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Homeland Federal Savings Bank's Tier 1 Capital Ratio?▼
Homeland Federal Savings Bank has a Tier 1 Capital Ratio of 9.22%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Homeland Federal Savings Bank?▼
Homeland Federal Savings Bank has a Texas Ratio of 7.71%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Homeland Federal Savings Bank?▼
Homeland Federal Savings Bank has an Efficiency Ratio of 66.81%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Homeland Federal Savings Bank's profile as a depositor or analyst.
- Homeland Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Homeland Federal Savings Bank against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.