TellerScore

Headquartered in Baltimore, Maryland, Homewood Federal Savings Bank is a savings bank with $67.3M in total assets and $50.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1916.

Homewood Federal Savings Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 546 banks with under $100 million in assets. Among 27 banks headquartered in Maryland, it ranks 4th. Capital cushion contributes the most (100/100, 26.12%); earnings contributes the least (35/100, 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 26.12%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings35/100
Return on assets (annualized): 0.36%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 111.2% · 3.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 80).

TellerScore
757881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202481
Q1 202580
Q2 202580
Q3 202581
Q4 202580
Q1 202677
Q2 202680
Tier 1 leverage ratio
5.00%15.56%26.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202425.96%
Q3 202425.20%
Q4 202425.46%
Q1 202525.75%
Q2 202525.74%
Q3 202526.06%
Q4 202525.54%
Q1 202626.00%
Q2 202626.12%
Noncurrent loans
0.00%0.23%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.45%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.07%0.28%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.25%
Q3 20240.30%
Q4 20240.49%
Q1 20250.33%
Q2 20250.37%
Q3 20250.49%
Q4 20250.43%
Q1 20260.07%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$67.3M26.12%0.00%0.36%111.2%
Q1 202677$65.6M26.00%0.00%0.07%113.3%
Q4 202580$66.8M25.54%0.00%0.43%109.5%
Q3 202581$66.8M26.06%0.00%0.49%108.4%
Q2 202580$66.6M25.74%0.00%0.37%107.2%
Q1 202580$65.6M25.75%0.00%0.33%106.8%
Q4 202481$66.0M25.46%0.00%0.49%104.1%
Q3 202476$66.6M25.20%0.45%0.30%100.7%
Q2 202475$64.3M25.96%0.47%0.25%102.1%

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).

Capital ratio26.12%
91st
Total risk-based capital39.15%
90th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.36%
23rd
Net interest margin3.40%
27th
Efficiency ratio73.2%
44th
Loans to deposits111.2%
3rd
Uninsured deposits3.0%
97th
Loan-loss reserves0.89%
23rd
Texas ratio0.0%
85th

Deposit insurance

Is my money safe at Homewood Federal Savings Bank?

Yes. Homewood Federal Savings Bank is an FDIC-insured institution (FDIC certificate #31267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 3.0% of deposits ($1.5M) 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 26.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 39.15% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Homewood Federal Savings Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Homewood Federal Savings Bank
Former names
Homewood-Clinton Savings and Loan Association Incorporated
Type
Savings bank
FDIC certificate #
31267
RSSD ID
359472
Primary regulator
OCC
Established
January 1, 1916
Headquarters
3228 Eastern Ave, Baltimore, MD 21224
Employees
6

Quick answers

Homewood Federal Savings Bank: common questions

Is Homewood Federal Savings Bank FDIC insured?

Yes. Homewood Federal Savings Bank is an FDIC-insured institution (FDIC certificate #31267). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Homewood Federal Savings Bank's TellerScore?

80 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 Homewood Federal Savings Bank ever failed?

There is no failure record for FDIC certificate #31267 in the FDIC failed bank list.

How many branches does Homewood Federal Savings Bank have?

1 office as of the latest FDIC data.

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