Homewood FSB
Baltimore, Maryland · FDIC Cert #31267
Homewood FSB is an FDIC-insured bank (Certificate #31267) with $64M in total assets and $48M in total deposits as of the Q2 2024 Call Report. Headquartered in Baltimore, Maryland, the bank maintains a Tier 1 capital ratio of 44.47% (Well-Capitalized) and a nonperforming loan ratio of 0.47%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Homewood FSB (FDIC cert 31267) is a community bank — $64M in total assets, $48M in deposits, serving the Baltimore, Maryland area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 44.47% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.47% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 22.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.34% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Homewood FSB carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Homewood FSB
- Total Assets
- $64M
- Total Deposits
- $48M
- Tier 1 Capital Ratio
- 44.47%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.47%
- Liquidity Ratio
- 22.76%
- Return on Assets
- 0.34%
- Headquarters
- Baltimore, Maryland
- FDIC Certificate
- #31267
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Homewood FSB holds a Tier 1 capital ratio of 44.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Homewood FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Homewood FSB shows strong financial health indicators. With $64M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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.
How Homewood FSB Compares
Homewood FSB’s Health Score of 83 is 14 points above the Maryland state average of 69 across 28 FDIC-insured banks. Its 44.47% Tier 1 capital ratio is 30.5 points above the US banking industry average near 14%. The 0.47% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.34% is below the national ROA benchmark of ~1.1%. Among 721 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Homewood FSB is 13 points above the portfolio average of 70.
Frequently Asked Questions
Homewood FSB has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 44.47%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Homewood FSB's Tier 1 capital ratio of 44.47% and nonperforming loan ratio of 0.47% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Homewood FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #31267). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Homewood FSB holds $64M in total assets and $48M in total deposits. It is headquartered in Baltimore, Maryland (FDIC Certificate #31267).
Homewood FSB has a Tier 1 capital ratio of 44.47%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.47%, and the return on assets is 0.34%.
Yes. Homewood FSB is FDIC-insured (Certificate #31267). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Homewood FSB's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.