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BDI
HF

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

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
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 value43rd percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSGR
Net loans
$31.4M
−4.7%y/y
Percentile by value43rd percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSNET
Loans YoY
−4.68%
−235.7%y/y
Percentile by value12th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSNET
L/D
94.8%
−1.2%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSNET + DEP
Loans/assets
79.4%
−1.5%y/y
Percentile by value76th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNLSNET + ASSET
RE loans %
101.57%
+0.3%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
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 standing48th percentile
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
6.45%
−1.3%y/y
Percentile by value75th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNRENROW + LNLSGR
Investor CRE %
0.00%
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNRENROT + LNLSGR
C&I %
0.68%
−10.7%y/y
Percentile by value51st percentileby value
Peer standing in FFIEC UBPR Peer Group 104 — Insured savings banks having assets less than $100 million
FDICLNCI + LNLSGR