Home Federal Savings and Loan Association

Bamberg, South CarolinaFDIC Cert #31774

STATEEstablished 19201 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %

1.22%

+18.6%y/y

Peer standing35th percentile

FDICP3ASSET + LNLSGR

90+ %

0.00%

Peer standing100th percentile

FDICP9ASSET + LNLSGR

Nonaccrual %

0.77%

+173.4%y/y

Peer standing32nd percentile

FDICNAASSET + LNLSGR

Noncurrent %

0.77%

+173.4%y/y

Peer standing40th percentile

FDICP9ASSET + NAASSET + LNLSGR

NPA/assets

0.62%

+169.3%y/y

Peer standing31st percentile

FDICP9ASSET + NAASSET + ORE + ASSET

NPA

$245K

+160.6%y/y

Peer standing38th percentile

FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate

0.00%

+100.0%y/y

Peer standing80th percentile

FDICNTLNLS + LNLSGR

NCO

+100.0%y/y

Peer standing82nd percentile

FDICNTLNLS + DRLNLS + CRLNLS

ACL/loans

1.29%

+1.7%y/y

Percentile by value55th percentileby value

FDICLNATRES + LNLSGR

30–89

$388K

+13.1%y/y

Peer standing31st percentile

FDICP3ASSET

90+

Peer standing100th percentile

FDICP9ASSET

Nonaccrual

$245K

+160.6%y/y

Peer standing28th percentile

FDICNAASSET