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Homestead Savings Bank
Albion, MI · FDIC Certificate #28667 · Chartered 01/0
Total assets
$71.59M
Total deposits
$64.58M
Total equity
$6.59M
Net loans
$49.81M
Branches (offices)
3
Net income (YTD)
$270.00K
Rank: #3,897 of 4,213 U.S. banks by assets · #69 of 72 in Michigan. Assets changed 0.2% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.75% |
| Return on equity | 8.37% |
| Net interest margin (YTD) | 4.81% |
| Equity to assets | 9.20% |
| Tier 1 leverage ratio | 9.42% |
| Uninsured deposits (share of deposits) | 12.0% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 77.1% |
| Real estate loans (share of loans) | 93.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $46.31M | 93.0% | |
| Commercial & industrial | $3.08M | 6.2% | |
| Consumer / individual | $944.00K | 1.9% | |
| Construction & development | $814.00K | 1.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $82.58M | $77.28M | $75.00K | $4.89M |
| Jun 2023 | $74.81M | $69.43M | $249.00K | $5.18M |
| Jun 2024 | $72.58M | $66.85M | $160.00K | $5.45M |
| Jun 2025 | $71.47M | $65.17M | $199.00K | $6.00M |
| Jun 2026 | $71.59M | $64.58M | $270.00K | $6.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $64.58M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $64.58M.
Similar-sized banks
Security Bank And Trust Co. ($71.82M) · Boonville Federal Savings Bank ($71.51M)
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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