Homeland Federal Savings Bank

7840 Us Highway 165 South
Columbia, LA 71418

Notable Rates APY Vs.Others
Savings 0.15% 2.30% →
1-Year CD 2.00% 2.25% →
2-Year CD 2.15% 2.50% →
5-Year CD 2.25% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Homeland Federal Savings Bank is an FDIC insured institution located in Columbia, LA. It was founded in 1986 and has approximately $0.32 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 32459
Date Established 1986
Assets $0.32 billion
Loans $0.25 billion
Deposits $0.27 billion
Capital $0.03 billion
 

For a more detailed analysis of Homeland Federal Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 11, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
1.01% $2,500 $24,999 Learn MoreShow Less
Money Market
1.11% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.75% $500 - Learn MoreShow Less
6 Mo CD
1.25% $500 - Learn MoreShow Less
12 Mo CD
2.00% $500 - Learn MoreShow Less
18 Mo CD
2.15% $500 - Learn MoreShow Less
24 Mo CD
2.15% $500 - Learn MoreShow Less
30 Mo CD
2.25% $500 - Learn MoreShow Less
36 Mo CD
2.25% $500 - Learn MoreShow Less
60 Mo CD
2.25% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.75% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 - Learn MoreShow Less

Loan Rates - December 11, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Homeland Federal Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.633% 3.625% 0.13 $248 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

Note to Homeland Federal Savings Bank
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Branches

Homeland Federal Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Homeland Federal Savings Bank Locations


Financial Details

Homeland Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Homeland Federal Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Homeland Federal Savings Bank U.S. Bank Average
4.73% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Homeland Federal Savings Bank had $721,000 in non-current loans and $909,000 in owned real estate. To cover these potential losses it had $31,414,000 in equity and $3,028,000 in loans loss reserves. That gives it a Texas Ratio of 4.73%.

Return on Equity
Homeland Federal Savings Bank U.S. Bank Average
13.15% 9.50%

Homeland Federal Savings Bank has a Return on Equity of 13.15% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Homeland Federal Savings Bank U.S. Bank Average
9.89% 12.76%

Homeland Federal Savings Bank has a Capitalization of 9.89% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Homeland Federal Savings Bank Balance Sheet Analysis

As of June 30, 2019, Homeland Federal Savings Bank had assets of $317,732,000, loans of $254,231,000, and deposits of $267,451,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.25 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.29 billion
LIABILITIES
Total deposits $0.27 billion
      Interest-bearing deposits $0.24 billion
      Deposits held in domestic offices $0.27 billion
      % insured (estimated) 79.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.29 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Homeland Federal Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Homeland Federal Savings Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 38.87
Multifamily
Mortgages
0.69
Credit Card Loans 0.00
Consumer Auto Loans 2.26
Small Business Loans 17.89
Construction and Development Loans 4.86
Commercial Real Estate 29.97
Commercial and Industrial Loans 10.04
Farm Loans 1.59

Frequently Asked Questions About Homeland Federal Savings Bank

Branches and Savings

Is Homeland Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32459.

Why does Homeland Federal Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Homeland Federal Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Homeland Federal Savings Bank a commercial bank?

Yes

Where are Homeland Federal Savings Bank locations?

See branch locations nearby.

Is Homeland Federal Savings Bank open on Saturdays?

Is Homeland Federal Savings Bank open on Sundays?

What time does Homeland Federal Savings Bank open?

What time does Homeland Federal Savings Bank close?

Are Homeland Federal Savings Bank ATMs Open 24/7?

Do Homeland Federal Savings Bank ATMs accept cash deposits?

Can Homeland Federal Savings Bank customers use other ATMs?

Do Homeland Federal Savings Bank branches have notaries?

Will Homeland Federal Savings Bank notarize my document?

What address for Homeland Federal Savings Bank should I put for incoming ACH transfers?

Will the Homeland Federal Savings Bank branch print checks?

Do Homeland Federal Savings Bank checks expire?

Does Homeland Federal Savings Bank require US citizenship to open account?

Can Homeland Federal Savings Bank close my account?

Does Homeland Federal Savings Bank Report to credit bureaus?

Does Homeland Federal Savings Bank Use Equifax?

What is Homeland Federal Savings Bank's ACH Routing Number?

What is Homeland Federal Savings Bank's SWIFT code?

Products

Does Homeland Federal Savings Bank offer mortgages?

Compare mortgage rates here.

Does Homeland Federal Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Homeland Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Homeland Federal Savings Bank offer student loans?

Will Homeland Federal Savings Bank cash a check?

Will Homeland Federal Savings Bank redeem a savings bond?

Does Homeland Federal Savings Bank cash savings bonds?

Will Homeland Federal Savings Bank cash money orders?

Can Homeland Federal Savings Bank issue a money order?

Does Homeland Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Homeland Federal Savings Bank?

How long has Homeland Federal Savings Bank been around?

Can Homeland Federal Savings Bank transfer to other banks?

Does Homeland Federal Savings Bank have quick pay?

Does Homeland Federal Savings Bank accept rolled coins?

Will Homeland Federal Savings Bank accept loose change?

Where is Homeland Federal Savings Bank headquarters?

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