Home Federal Savings and Loan Association: how it compares with its peers
Against 382 U.S. banks with half to twice its assets, Home Federal Savings and Loan Association's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $5.8M peer median). Its weakest relative measure is efficiency ratio (88.56% vs. 71.33%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.38% | 0.99% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.67% | 3.87% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.56% | 71.33% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $5.8M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.83% | 63.89% | Context |
What it means for lending operations
Its efficiency ratio of 88.56% is above the 71.33% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- State Bank of Schaller Schaller, IA · $41M
- Corn Growers State Bank Murdock, NE · $40M
- First State Bank of Van Orin Van Orin, IL · $40M
- Fairview State Banking Company Fairview, IL · $41M
Questions about Home Federal Savings and Loan Association
How big is Home Federal Savings and Loan Association?
Home Federal Savings and Loan Association, established in 1920, is headquartered in Bamberg, SC. It reported $40M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Home Federal Savings and Loan Association's return on assets?
0.38% annualized in Q2 2026, against a 0.99% median for 382 U.S. banks with half to twice its assets, ahead of 25% of them.
What is Home Federal Savings and Loan Association's efficiency ratio?
88.56% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 71.33%, and lower is better.
Is Home Federal Savings and Loan Association growing its loans?
Net loans grew 0.3% over the year to Q2 2026, while deposits shrank 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Carolina bank ranked.