What is Home Federal Savings and Loan Association's financial health grade?

Home Federal Savings and Loan Association has a TFS Financial Health Grade of B- (score: 76.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Home Federal Savings and Loan Association have?

Home Federal Savings and Loan Association has 1 branch location across the United States.

Is Home Federal Savings and Loan Association FDIC insured?

Yes, Home Federal Savings and Loan Association is FDIC insured (Certificate #31774).

What are the total assets of Home Federal Savings and Loan Association?

Home Federal Savings and Loan Association has total assets of $40.4M as reported in its most recent FDIC filing.

Home Federal Savings and Loan Association: Safety Grade & Financial Health

BankBamberg, South Carolina

www.homefedbamberg.com

Total Assets

$40.4M

Total Deposits

$33.7M

Branches

Established

1920

Home Federal Savings and Loan Association is a bank headquartered in Bamberg, South Carolina, established in 1920. It holds $40.4M in total assets across 1 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Home Federal Savings and Loan Association earns a TFS Financial Health Grade of B- (76.6/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

B-

76.6 / 100

Good financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

14.06%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.75%

Profitability

Return on Assets (ROA)

0.31%(1%)

Return on Equity (ROE)

2.26%(10%)

Net Interest Margin

3.66%

Efficiency Ratio

83.67%(60%)

Lending & Liquidity

Total Loans

$31.4M

Loan-to-Deposit Ratio

92.01%

Net Charge-Off Ratio

Other banks in South Carolina

United Community Bank

Bank

Greenville, SC

$27.9B

FOUNDERS

Lancaster, SC

$5.1B

Southern First Bank

Bank

Greenville, SC

$4.4B

C+

SOUTH CAROLINA

Growth

Asset Growth (YoY)

-1.63%

Deposit Growth (YoY)

-1.61%

Net Income

$126.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No CFPB complaints found for this institution.

Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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Branch	Address	City	State	Type
Home Federal Savings and Loan AssociationHQ	2990 Main Hwy	Bamberg	SC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #31774

Primary RegulatorFDIC

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.