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1016 Civic Center Drive
Rochester, MN 55901

Home Federal Savings Bank is headquartered in Rochester and is the 15st largest bank in the state of Minnesota. It is also the 1,039th largest bank in the nation. It was established in 1934 and as of December of 2013, it had grown to 185 employees at 11 locations. Home Federal Savings Bank has a B+ health rating.

Reviews (2)

Failed Banks

They should have been closed a year ago, they are hiding under an OTS agreement that keeps them from closing when it's suppose to protect the public they keep there real estate owned at pre-depression values, not current values, which shores up there bottom line so it looks better if a customer missed payments on a loan.


Bank Failure Do To Poor Mangement

This bank is close to failure there is a Google article in The Star Tribune, so be wary. Poor management has been a key issue to the failure of this bank.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Home Federal Savings Bank had $24.42 million in non-current loans and owned real-estate with $99.73 million in equity and loan loss allowances on hand to cover it. This gives Home Federal Savings Bank a Texas Ratio of 24.49% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Home Federal Savings Bank decreased dramatically from 56.61% as of December 31, 2012 to 24.49% as of December 31, 2013, resulting in a positive change of 56.75%.This indicates that the balance sheet and financial strength for Home Federal Savings Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Home Federal Savings Bank has increased its total deposits by $38.39 million, resulting in 7.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home Federal Savings Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home Federal Savings Bank has $647.43 million in assets with $99.73 million in equity, resulting in a capitalization level of 15.40%, which is excellent.

Institution Statistics

FDIC Certificate #29042
Year Established1934
Primary RegulatorOCC
Assets and Liabilities
Assets$647.43 million
Loans$385.84 million
Deposits$555.36 million
Equity Capital$88.33 million
Loan Loss Allowance$11.40 million
Unbacked Noncurrent Loans$17.52 million
Real Estate Owned$6.90 million
Historic Data - December 2012
Assets$653.02 million
Equity Capital$63.16 million
Loan Loss Allowance$21.61 million
Unbacked Noncurrent Loans$17.52 million
Real Estate Owned$10.60 million
Profit Margin - Quarterly
Net Interest Margin3.35%
Return on Assets4.39%
Return on Equity38.21%
Interest Income$22.78 million

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Home Federal Savings Bank has 11 locations. Click to view all Home Federal Savings Bank locations.