TellerScore

Headquartered in Columbia, Louisiana, Homeland Federal Savings Bank is a savings bank with $657.8M in total assets and $572.5M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1986.

Homeland Federal Savings Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 78th. Earnings contributes the most (78/100, 1.44%); capital cushion contributes the least (42/100, 9.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.21%
Loan quality67/100
Noncurrent loans ÷ total loans: 0.99%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 97.0% · 30.8% uninsured
Problem-loan coverage69/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.38%

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 3 points (56 → 59), mostly because the earnings component improved by 14 points.

TellerScore
435159Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202449
Q4 202443
Q1 202550
Q2 202556
Q3 202555
Q4 202558
Q1 202654
Q2 202659
Tier 1 leverage ratio
5.00%7.22%9.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.24%
Q3 20249.18%
Q4 20249.19%
Q1 20259.43%
Q2 20259.00%
Q3 20258.99%
Q4 20259.22%
Q1 20269.11%
Q2 20269.21%
Noncurrent loans
0.90%1.57%2.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.93%
Q3 20241.59%
Q4 20242.24%
Q1 20251.66%
Q2 20251.03%
Q3 20251.03%
Q4 20250.90%
Q1 20261.41%
Q2 20260.99%
Return on assets
0.95%1.19%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20241.01%
Q4 20241.00%
Q1 20251.01%
Q2 20251.09%
Q3 20251.12%
Q4 20251.10%
Q1 20261.34%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$657.8M9.21%0.99%1.44%97.0%
Q1 202654$643.2M9.11%1.41%1.34%98.4%
Q4 202558$638.2M9.22%0.90%1.10%99.4%
Q3 202555$624.9M8.99%1.03%1.12%99.3%
Q2 202556$612.3M9.00%1.03%1.09%98.1%
Q1 202550$594.5M9.43%1.66%1.01%99.9%
Q4 202443$578.9M9.19%2.24%1.00%99.8%
Q3 202449$564.9M9.18%1.59%1.01%101.1%
Q2 202446$542.0M9.24%1.93%0.95%100.1%

2,650 peers · $100 million – $1 billion

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).

Capital ratio9.21%
15th
Total risk-based capital0.00%
24th
Problem loans0.99%
28th
Net charge-offs-0.00%
77th
Return on assets1.44%
62nd
Net interest margin4.13%
61st
Efficiency ratio61.9%
51st
Loans to deposits97.0%
14th
Uninsured deposits30.8%
26th
Loan-loss reserves1.35%
68th
Texas ratio15.4%
10th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
United Community BankBank Raceland, LA83 out of 100, Strong$665.5M14.5%0.73%vs
Metairie Bank & Trust CompanyBank Metairie, LA75 out of 100, Strong$666.0M11.5%0.46%vs
Concordia Bank & Trust CompanyBank Vidalia, LA52 out of 100, Below average$667.0M11.1%2.54%vs
The First National Bank of JeaneretteBank Jeanerette, LA73 out of 100, Strong$646.5M10.0%0.23%vs
Home Federal BankBank Shreveport, LA65 out of 100, Moderate$644.0M9.3%0.63%vs

Deposit insurance

Is my money safe at Homeland Federal Savings Bank?

Yes. Homeland Federal Savings Bank is an FDIC-insured institution (FDIC certificate #32459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.8% of deposits ($176.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.21%, 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%).

Check how much of your own balance is covered

5 locations

Branches

Homeland Federal Savings Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Homeland Federal Savings Bank
Type
Savings bank
FDIC certificate #
32459
RSSD ID
251978
Primary regulator
OCC
Holding company
Homeland Bancshares Inc
Established
March 12, 1986
Headquarters
7840 Highway 165, Columbia, LA 71418
Employees
98

Quick answers

Homeland Federal Savings Bank: common questions

Is Homeland Federal Savings Bank FDIC insured?

Yes. Homeland Federal Savings Bank is an FDIC-insured institution (FDIC certificate #32459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Homeland Federal Savings Bank's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Homeland Federal Savings Bank ever failed?

There is no failure record for FDIC certificate #32459 in the FDIC failed bank list.

How many branches does Homeland Federal Savings Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
Sicily Island State BankBank Sicily Island, LA86 out of 100, Very strong$92.4M13.2%0.13%vs
Franklin State Bank & Trust CompanyBank Winnsboro, LA75 out of 100, Strong$224.7M10.0%0.76%vs
Southern Heritage BankBank Jonesville, LA73 out of 100, Strong$397.9M10.5%0.72%vs
Peoples BankBank Chatham, LA71 out of 100, Strong$86.1M11.7%1.32%vs
Winnsboro State Bank & Trust CompanyBank Winnsboro, LA68 out of 100, Moderate$425.7M10.9%0.94%vs
b1BANKBank Baton Rouge, LA59 out of 100, Moderate$8.9B10.9%1.26%vs