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Home Federal Savings And Loan Association
Bamberg, SC · FDIC Certificate #31774 · Chartered 01/0
Total assets
$40.46M
Total deposits
$33.92M
Total equity
$5.73M
Net loans
$32.51M
Branches (offices)
1
Net income (YTD)
$76.00K
Rank: #4,098 of 4,213 U.S. banks by assets · #41 of 43 in South Carolina. Assets changed -0.4% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.38% |
| Return on equity | 2.67% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 14.16% |
| Tier 1 leverage ratio | 14.44% |
| Uninsured deposits (share of deposits) | 11.4% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 95.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $30.94M | 95.2% | |
| Commercial & industrial | $207.00K | 0.6% | |
| Consumer / individual | $1.88M | 5.8% | |
| Construction & development | $2.27M | 7.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $40.75M | $34.30M | -$156.00K | $5.51M |
| Jun 2023 | $40.40M | $33.76M | $174.00K | $5.45M |
| Jun 2024 | $42.02M | $35.28M | $13.00K | $5.44M |
| Jun 2025 | $40.64M | $34.01M | $21.00K | $5.55M |
| Jun 2026 | $40.46M | $33.92M | $76.00K | $5.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $33.92M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $33.92M.
Similar-sized banks
State Bank Of Schaller ($40.62M) · Corn Growers State Bank ($40.28M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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