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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Baltimore, MD · FDIC certificate #31267
HOMEWOOD FSB is an FDIC-insured institution based in Baltimore, MD (FDIC certificate #31267). In its Q3 2026 Call Report it reported total assets of $66M, total deposits of $49M and net loans of $56M. Its primary federal regulator is OCC.
Plain-language readout
HOMEWOOD FSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $67M in Q2 2026 and were lowest at $66M in Q1 2026.
Total deposits were highest at $50M in Q2 2026 and lowest at $48M in Q1 2026.
Over the whole period total assets rose 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $66M | $49M | $56M | 0.37% | 1.42% | 3.43% |
| Q2 2026 | $67M | $50M | $56M | 0.36% | 1.41% | 3.40% |
| Q1 2026 | $66M | $48M | $55M | 0.07% | 0.28% | 3.27% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.4M | $9.5M | +$911K | +9.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $159K | $165K | -$6K | -3.6% |
| Equity securities with readily determinable fair values, not held for trading | $140K | $150K | -$10K | -6.7% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $55.6M | $54.7M | +$840K | +1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $399K | $407K | -$8K | -2.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $612K | $596K | +$16K | +2.7% |
| Total assets | $67.3M | $65.6M | +$1.7M | +2.7% |
| Liabilities | ||||
| Total deposits | $50.0M | $48.3M | +$1.7M | +3.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $47K | $83K | -$36K | -43.4% |
| Total liabilities | $50.0M | $48.4M | +$1.6M | +3.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $17.3M | $17.2M | +$109K | +0.6% |
| Accumulated other comprehensive income | -$4K | -$4K | $0K | 0.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $17.3M | $17.2M | +$109K | +0.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $17.8M | $17.7M | +$114K | +0.6% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 38.05% | 38.32% | -0.27 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 38.05% | 38.32% | -0.27 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.10% | 1.11% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 39.15% | 39.43% | -0.27 pts | See points |
| Tier 1 leverage (approximate) | 26.12% | 26.00% | +0.12 pts | See points |
| Construction and land loans to total capital | 34.31% | 29.60% | +4.72 pts | See points |
| Commercial real estate to total capital | 99.83% | 91.78% | +8.05 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.03% | -0.03% | +0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $47.0M | $45.1M | +$1.9M | +4.2% |
| Non-core funding | $3.0M | $3.2M | -$236K | -7.3% |
| Loans to core deposits | 119.38% | 122.55% | -3.17 pts | See points |
| Loans to deposits | 112.21% | 114.34% | -2.13 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 19.78% | 20.58% | -0.80 pts | See points |
| Volatile liabilities | $23.7M | $22.2M | +$1.5M | +6.5% |
| Earnings | ||||
| Earnings before provision, year to date | $296K | $131K | +$165K | +126.0% |
| Earnings before provision, single quarter | $165K | $131K | +$34K | +26.0% |
| Provision for credit losses, year to date | $32K | $27K | +$5K | +18.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.25% | 6.02% | +0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 3.93% | 3.95% | -0.01 pts | See points |
| Total interest income to average assets | 5.85% | 5.60% | +0.25 pts | See points |
| Cost of interest-bearing transaction accounts | 0.19% | 0.00% | +0.19 pts | See points |
| Cost of savings and money market deposits | 0.37% | 0.32% | +0.06 pts | See points |
| Cost of time deposits | 3.97% | 4.02% | -0.05 pts | See points |
| Total interest expense to average assets | 2.39% | 2.43% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $66M | $49M | $56M | 0.37% | 1.42% | 3.43% |
| 2026-06-30 | $67M | $50M | $56M | 0.36% | 1.41% | 3.40% |
| 2026-03-31 | $66M | $48M | $55M | 0.07% | 0.28% | 3.27% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MD | $49.5M | 0.02% | 60 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.