Homestead Savings Bank (FDIC #28667): Bank Stress & Real-Estate Credit Exposure
Homestead Savings Bank (FDIC Cert #28667): bank stress 78/100, severe, STABLE over 7 days.
Homestead Savings Bank (#28667) lends in 3 counties across 1 state; Homestead Savings Bank (#28667) reaches 65 ZIP codes: Michigan 3 counties, 65 ZIPs.
Homestead Savings Bank (#28667) largest markets: Jackson County, MI (29 branches, 29 ZIPs) (#28667), Ingham County, MI (23 branches, 23 ZIPs) (#28667), Calhoun County, MI (22 branches, 22 ZIPs) (#28667).
Homestead Savings Bank (#28667) reports $71.6 million in total assets; Homestead Savings Bank (#28667) equity $6.6 million (9.2% of Homestead Savings Bank (#28667) assets); Homestead Savings Bank (#28667) domestic deposits $64.6 million; Homestead Savings Bank (#28667) net income $270,000; Homestead Savings Bank (#28667) return on assets 0.75%; Homestead Savings Bank (#28667) return on equity 8.37%; Homestead Savings Bank (#28667) net interest income $1.6 million; Homestead Savings Bank (#28667) call report June 30, 2026.
Homestead Savings Bank (#28667) noncurrent real-estate loans: none reported; Homestead Savings Bank (#28667) net charge-offs on real estate 0.26%.
Homestead Savings Bank (#28667) net interest margin 4.81% against an eight-quarter Homestead Savings Bank (#28667) average of 4.56% (Homestead Savings Bank (#28667) compression -0.24 points); Homestead Savings Bank (#28667) rate-exposure score 40/100, Homestead Savings Bank (#28667) fixed-rate trap 40/100; Homestead Savings Bank (#28667) risk type credit driven; Homestead Savings Bank (#28667) rate regime rates elevated, Homestead Savings Bank (#28667) snapshot October 19, 2026.
Homestead Savings Bank (#28667) stress score moved from 78.2 on June 22, 2026 to 78.4 on October 19, 2026; Homestead Savings Bank (#28667) ranged 78.2 to 78.4 over 116 snapshots.
Homestead Savings Bank (#28667) alerts: 3 counties; top Homestead Savings Bank (#28667) alert scores: Albion County, MI 26 (low); Leslie County, MI 26 (low); Springport County, MI 26 (low).