FDIC Cert #28667 · Albion, Michigan · Est. 1889

Homestead Savings Bank - FDIC Bank Health Profile

A community-scale look at Homestead Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$72M
Total assets
B
Health grade · Good
0.64%
Return on assets
17.2%
Tier 1 capital

Data updated July 2026

The verdict

Homestead Savings Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 17.22% Tier 1, 0.64% ROA, 83% efficiency ratio.

#3,970
largest of 4,313 FDIC banks by assets
8th
percentile by asset size, nationally
17.22%
Tier 1 ratio - above the 10% well-capitalized line
21st
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 28667 · MI B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2674/4307
  • PHOTO-FINISH Superior Savings Bank · WI
  • TIER1-WELL 17.2% Tier 1
  • TEXAS-CLEAN 2.4% Texas
  • ROA-THIN 0.64% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Michigan: Superior Savings Bank, WI (±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 Homestead Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100Graham Savings and L… · TX ·…74/100Home Federal Savings… · OH ·…74/100Homestead Savings Bank · MI …74/100Ozarks Federal Savin… · MO ·…74/100Superior Savings Bank · WI ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Homestead Savings Bank · July 2026

Call Report read for Homestead Savings Bank in a high-failure state

Homestead Savings Bank (FDIC Cert #28667) carries a PlainBankData health grade of B at 74/100, 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 #2,674 of 4,307. Tier 1 capital prints at 17.22%, clearing the 10% well-capitalized line. The Texas Ratio is 2.43%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.64%. Balance-sheet scale is $72M, 3,970th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Superior Savings Bank (WI), 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 Homestead Savings Bank

14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus

Homestead Savings Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Homestead Savings Bank's current Call Report.

  • FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
  • COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
  • PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK

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

How Homestead Savings Bank's 74/100 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 avg77/10074/100
Homestead Savings Bank's composite health score
Tier 1 Capital Ratio (17.22%) 40/40
Return on Assets (ROA) (0.64%) 14/25
Texas Ratio (2.43%) 20/20
Efficiency Ratio (83.02%) 0/15

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

Balance sheet at a glance

Total Assets

$72M

Total balance-sheet footings

Total Deposits

$65M

Customer-funded liabilities

Net Loans

$51M

Outstanding loan book

Net Income

$455K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.82% 17.22% 18.62%
Basel III capital ratios - Homestead Savings Bank

Where Homestead Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Homestead Savings Bank's score of 74/100 falls in the highlighted band.

Homestead Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Homestead Savings Bank 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

Homestead 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). Homestead Savings Bank's $72M falls in the highlighted band.

Capital & credit buffers at Homestead Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

17.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.22%
Texas Ratio
2.43%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Homestead Savings Bank

Return on Assets (ROA)
21st percentile nationally
0.64%
Return on Equity (ROE)
7.59%
Efficiency Ratio
83.02%

What these mean →

Income & expense at Homestead Savings Bank

$3M
Interest Income
$594K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Homestead Savings Bank reports a Texas Ratio of 2.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Homestead Savings Bank on FDIC BankFind →

Top banks in Michigan by total assets

Largest banks headquartered in Michigan
  1. 1
    Northpointe Bank $7.0B

    Grand Rapids, MI · Grade B

  2. 2
    First National Bank of America $6.7B

    East Lansing, MI · Grade A

  3. 3
    Mercantile Bank $6.2B

    Grand Rapids, MI · Grade A

  4. 4
    Independent Bank $5.5B

    Grand Rapids, MI · Grade B

  5. 5
    ChoiceOne Bank $4.4B

    Sparta, MI · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($72M here), outside Michigan so the neighborhood is not state containment.

Peoples State Bank $72M · ND B2 Bank $72M · MN Riverside Bank $72M · AR Nebraska State Bank $71M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Homestead Savings Bank (FDIC Cert #28667) - 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.

Homestead Savings Bank Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Michigan

All Michigan banks →
BankAssetsGradeROA
Northpointe BankGrand Rapids $7.0B B 1.39%
First National Bank of AmericaEast Lansing $6.7B A 2.94%
Mercantile BankGrand Rapids $6.2B A 1.61%
Independent BankGrand Rapids $5.5B B 1.33%
ChoiceOne BankSparta $4.4B B 0.79%
Macatawa Bank, National AssociationHolland $3.7B A 1.39%
Bank of Ann ArborAnn Arbor $3.3B A 1.72%
Isabella BankMount Pleasant $2.2B B 1.02%