Homewood Federal Savings Bank

3228-30 Eastern Ave
Baltimore, MD 21224
410-327-5220
www.homewoodfsb.com

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Homewood Federal Savings Bank is headquartered in Baltimore and is the 74^th largest bank in the state of Maryland. It is also the 5,659^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 8 employees at 1 location. Homewood Federal Savings Bank has a 4-star health rating.

Homewood Federal Savings Bank Routing Number: 252070972

3.50% 15-Month CD & 3.40% 12-Month CD at Homewood Federal Savings Bank in Maryland - 1/28/2009

Homewood Federal Savings Bank is offering two competitive CD specials: a 3.50% APY 15-month CD with a $10K minimum and a 3.40% APY 12-month CD with a $1,000 minimum. These specials are listed at the bank's rate table as of 1/28/09. Note in the table that...

4.25% 15-Month CD at Homewood Federal Savings Bank in Maryland - 11/21/2008

Homewood Federal Savings Bank is offering a 15-month CD with a yield of 4.25% APY. Minimum deposit is $10,000.It appears that a branch visit may be required to open an account. It's a small bank with one office located in Baltimore, Maryland. The bank...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Homewood Federal Savings Bank Checking Account Rates

	Apy	Min	Max	Product
	0.20%	$300	-	NOW Account

Homewood Federal Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.40%	-	-	Statement Savings Account
0.40%	-	-	Christmas Club Account

Homewood Federal Savings Bank Money Market Rates

Apy	Min	Max	Product
0.80%	$40k	-	Money Market Advantage Account
0.50%	$20k	-	Money Market Account

Homewood Federal Savings Bank CD Rates

Apy	Min	Max	Product
1.80%	$500	-	60 Month CD
1.40%	$500	-	48 Month CD
1.20%	$500	-	36 Month CD
1.05%	$500	-	30 Month CD
0.85%	$500	-	24 Month CD
0.80%	$10k	-	15 Month CD
0.75%	$20k	-	18 Month CD
0.70%	$1k	$7,500	12 Month CD
0.45%	$7,500	-	6 Month CD

Homewood Federal Savings Bank IRA Rates

Apy	Min	Max	Product
1.80%	$100	-	60 Month IRA
1.80%	$100	-	60 Month Roth IRA
1.40%	$100	-	42 Month IRA
1.40%	$100	-	42 Month Roth IRA
1.05%	$100	-	30 Month IRA
1.05%	$100	-	30 Month Roth IRA
0.65%	$100	-	18 Month IRA
0.65%	$100	-	18 Month Roth IRA
0.50%	$100	-	12 Month IRA
0.50%	$100	-	12 Month Roth IRA
0.40%	$100	-	6 Month IRA
0.40%	$100	-	6 Month Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Homewood Federal Savings Bank
OTS #	06639
FDIC Certificate #	31267
BankRate Report	View
Year Established	1916
Employees	8
Primary Regulator	OCC
Assets and Liabilities
Assets	$74.07 million
Loans	$52.60 million
Deposits	$60.19 million
Equity Capital	$13.52 million
Loan Loss Allowance	$324,000
Unbacked Noncurrent Loans	$1.55 million
Historic Data - March 2011
Assets	$75.84 million
Equity Capital	$12.89 million
Loan Loss Allowance	$190,000
Unbacked Noncurrent Loans	$865,000
Real Estate Owned	$861,000
Profit Margin - Quarterly
Net Interest Margin	3.24%
Return on Assets	0.78%
Return on Equity	4.31%
Interest Income	$816,000

Institution Health

Overall Score:

4 out of 5

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 March 31, 2012 Homewood Federal Savings Bank had $1.55 million in non-current loans and owned real-estate with $13.84 million in equity and loan loss allowances on hand to cover it. This gives Homewood Federal Savings Bank a Texas Ratio of 11.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Homewood Federal Savings Bank decreased slightly from 13.19% as of March 31, 2011 to 11.21% as of March 31, 2012, resulting in a positive change of 15.07%.This indicates that the balance sheet and financial strength for Homewood Federal Savings Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Homewood Federal Savings Bank has decreased its total deposits by -$2.44 million, resulting in -3.89% 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 Homewood Federal Savings Bank has shown is below average.
Capitalization
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. Homewood Federal Savings Bank has $74.07 million in assets with $13.84 million in equity, resulting in a capitalization level of 18.69%, which is excellent.