Home Federal Savings and Loan Association

Bamberg, South CarolinaFDIC Cert #31774

STATEEstablished 19201 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$2.05M
Investor CRE	$0
Multifamily	$152K
Construction	$1.89M
1–4 family	$25.8M
C&I	$217K
Agriculture	$0
Other	$1.72M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$31.8M

−4.7%y/y

Percentile by value52nd percentileby value

FDICLNLSGR

Net loans

$31.4M

−4.7%y/y

Percentile by value52nd percentileby value

FDICLNLSNET

Loans YoY

−4.68%

−235.7%y/y

Percentile by value18th percentileby value

FDICLNLSNET

L/D

94.8%

−1.2%y/y

Percentile by value89th percentileby value

FDICLNLSNET + DEP

Loans/assets

79.4%

−1.5%y/y

Percentile by value92nd percentileby value

FDICLNLSNET + ASSET

RE loans %

101.57%

+0.3%y/y

Percentile by value97th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

6,703points

−2.0%y/y

Peer standing8th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

6.45%

−1.3%y/y

Percentile by value60th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

0.68%

−10.7%y/y

Percentile by value9th percentileby value

FDICLNCI + LNLSGR