HOME FS&LA
BAMBERG, SOUTH CAROLINA · FDIC Cert #31774
Capital & Safety Analysis
According to FDIC financial data, HOME FS&LA holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject HOME FS&LA to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
HOME FS&LA shows some financial weakness with a Health Score of 41/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HOME FS&LA has a Bank Health Score of D (41/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HOME FS&LA holds $42M in total assets and $35M in total deposits. It is located in BAMBERG, SOUTH CAROLINA (FDIC Certificate #31774).
HOME FS&LA has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.41%, and the return on assets is -0.02%.
Yes. HOME FS&LA is FDIC-insured (Certificate #31774). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.