Home Federal Savings and Loan Association (FDIC certificate #31774) is based in Bamberg, South Carolina. Its Q2 2026 call report shows $40.5M in total assets and $33.9M in deposits and 1 office.
Based on its Q2 2026 filing, Home Federal Savings and Loan Association scores 77/100, which we describe as strong. That is higher than 58% of 546 banks with under $100 million in assets. Among 44 banks headquartered in South Carolina, it ranks 17th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is earnings (35/100; 0.38%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (71 → 77), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 70 |
| Q4 2024 | 66 |
| Q1 2025 | 69 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 71 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.55% |
| Q3 2024 | 13.34% |
| Q4 2024 | 13.38% |
| Q1 2025 | 13.36% |
| Q2 2025 | 13.49% |
| Q3 2025 | 13.87% |
| Q4 2025 | 14.06% |
| Q1 2026 | 14.16% |
| Q2 2026 | 14.44% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.70% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.77% |
| Q2 2026 | 0.28% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.25% |
| Q1 2025 | -0.29% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $40.5M | 14.44% | 0.28% | 0.38% | 95.8% |
| Q1 2026 | 71 | $39.6M | 14.16% | 0.77% | 0.24% | 94.8% |
| Q4 2025 | 72 | $40.4M | 14.06% | 0.75% | 0.31% | 92.0% |
| Q3 2025 | 71 | $40.0M | 13.87% | 0.72% | 0.28% | 95.5% |
| Q2 2025 | 71 | $40.6M | 13.49% | 0.47% | 0.10% | 95.3% |
| Q1 2025 | 69 | $40.9M | 13.36% | 0.28% | -0.29% | 96.0% |
| Q4 2024 | 66 | $41.0M | 13.38% | 1.07% | 0.25% | 95.9% |
| Q3 2024 | 70 | $41.8M | 13.34% | 0.70% | 0.38% | 94.3% |
| Q2 2024 | 72 | $42.0M | 13.55% | 0.41% | 0.06% | 91.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kingstree Federal Savings and Loan AssociationBank Kingstree, SC | 44 out of 100, Below average | $39.3M | 12.1% | 2.53% | vs |
| Pee Dee Federal Savings BankBank Marion, SC | 90 out of 100, Very strong | $37.1M | 20.5% | 0.27% | vs |
Deposit insurance
Is my money safe at Home Federal Savings and Loan Association?
Yes. Home Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.4% of deposits ($3.9M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Home Federal Savings and Loan Association lists 1 office in 1 city. Most locations:
- Bamberg, SC (1)
Identity & history
Profile
- Legal name
- Home Federal Savings and Loan Association
- Type
- Savings association
- FDIC certificate #
- 31774
- RSSD ID
- 582878
- Primary regulator
- FDIC
- Established
- January 1, 1920
- Headquarters
- 2990 Main Hwy, Bamberg, SC 29003
- Website
- www.homefedbamberg.com
- Employees
- 6
Quick answers
Home Federal Savings and Loan Association: common questions
Is Home Federal Savings and Loan Association FDIC insured?
Yes. Home Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home Federal Savings and Loan Association's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Home Federal Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #31774 in the FDIC failed bank list.
How many branches does Home Federal Savings and Loan Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bamberg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC | 88 out of 100, Very strong | $413.6M | 16.6% | 0.74% | vs |
| Palmetto State BankBank Hampton, SC | 88 out of 100, Very strong | $597.5M | 14.8% | 0.12% | vs |
| Srp Federal Credit UnionCredit union North Augusta, SC | 81 out of 100, Strong | $2.1B | 13.8% | 0.74% | vs |
| Edisto Federal Credit UnionCredit union Orangeburg, SC | 74 out of 100, Strong | $23.4M | 17.4% | 1.54% | vs |
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
| Coastal Carolina National BankBank Myrtle Beach, SC | 71 out of 100, Strong | $1.4B | 9.4% | 0.00% | vs |