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Bauer Award

BauerFinancial Inc., is a leading authority in rating banks. Home Federal has received high ratings for strength and stability for over 30 years.

Earning high ratings indicates that we are a safe, financially sound bank. This reflects our 99 plus years of prudent and responsible management.

What it Takes

As a neutral and independent organization, Bauer does not accept payments for ratings or allow institutions to opt out of the rating process. Bauer evaluates financial institutions based on a strict set of criteria, drawing from data reported to federal regulators.

Ratings are based on the following:

  • Federal regulatory capital requirements
  • Profitability/loss trend
  • Level of delinquent loans, charge-offs and repossessed assets
  • Market versus book value of the investment portfolio
  • Regulatory supervisory agreements
  • Community reinvestment rating (CRA)
  • Historical data
  • Liquidity

Home Federal Building

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