Total Assets
$67M
Total balance-sheet footings
FDIC Cert #31267 · Baltimore, Maryland · Est. 1916
Homewood Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Homewood Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $67M
- Total assets
- B
- Health grade · Good
- 0.43%
- Return on assets
- 38.2%
- Tier 1 capital
Data updated July 2026
The verdict
Homewood Federal Savings Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 38.22% Tier 1, 0.43% ROA, 86% efficiency ratio.
- #4,007
- largest of 4,313 FDIC banks by assets
- 7th
- percentile by asset size, nationally
- 38.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- 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 Homewood Federal Savings Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Homewood Federal Savings Bank's composite health score
Tier 1 Capital Ratio (38.22%) 40/40
Return on Assets (ROA) (0.43%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (86.37%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$50M
Customer-funded liabilities
Net Loans
$54M
Outstanding loan book
Net Income
$284K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Homewood Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Homewood Federal Savings Bank's score of 67/100 falls in the highlighted band.
Homewood 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). Homewood Federal Savings Bank's $67M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
38.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
38.22%
Texas Ratio
0.00%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.43%
Return on Equity (ROE)
1.67%
Efficiency Ratio
86.37%
What the numbers say about Homewood Federal Savings Bank
Homewood Federal Savings Bank is an FDIC-insured institution (Certificate #31267) headquartered in Baltimore, Maryland, established in 1916. It holds $67M in total assets - 4,007th of 4,313 FDIC-insured banks, $50M in customer deposits, and $54M in net loans. Looking at capital strength, Tier 1 stands at 38.22%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (67/100), 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.
By assets, Homewood Federal Savings Bank ranks 28th of 28 banks based in Maryland -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$4M
Interest Income
$23K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Homewood Federal Savings Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Maryland by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Homewood Federal Savings Bank (FDIC Cert #31267) - 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 Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBankBethesda | $10.4B | C | -1.20% |
| Forbright BankPotomac | $7.9B | B | 1.35% |
| Shore United Bank, National AssociationEaston | $6.3B | B | 1.08% |
| CFG BankLutherville | $5.7B | B | 1.43% |
| Capital Bank, National AssociationRockville | $3.5B | B | 1.51% |
| First United Bank & TrustOakland | $2.1B | A | 1.27% |
| Rosedale BankNottingham | $1.3B | B | 0.18% |
| Middletown Valley BankMiddletown | $1.1B | B | 0.90% |
Frequently asked questions
What is Homewood Federal Savings Bank's health grade?▼
Homewood Federal Savings Bank receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Homewood Federal Savings Bank?▼
Homewood Federal Savings Bank holds $67M in total assets and $50M in deposits, ranking 4,007th of 4,313 FDIC-insured banks by asset size. It is headquartered in Baltimore, Maryland.
Is my money safe at Homewood Federal Savings Bank?▼
Yes, deposits at Homewood Federal Savings Bank (Certificate #31267) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Homewood Federal Savings Bank's Tier 1 Capital Ratio?▼
Homewood Federal Savings Bank has a Tier 1 Capital Ratio of 38.22%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Homewood Federal Savings Bank?▼
Homewood Federal Savings Bank has a Texas Ratio of 0.00%. 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 Homewood Federal Savings Bank?▼
Homewood Federal Savings Bank has an Efficiency Ratio of 86.37%. 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 Homewood Federal Savings Bank's profile as a depositor or analyst.
- Homewood Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Homewood Federal Savings Bank against other Maryland banks before moving funds. Maryland 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.