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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

Learn More About Bauer

At Home Federal Bank, we uphold the highest cybersecurity standards to keep your information safe. Learn more about taking the necessary steps to keep yourself safe online.

When it comes to choosing a bank to entrust with your hard-earned money, the financial landscape can seem overwhelming. With numerous options available, it's essential to understand the importance of protecting your dollars through safeguards like FDIC insurance and by trusting a community bank with a high level of stability and soundness. Here’s what you need to know about FDIC insurance and how it’s part of a bigger picture of responsible management and attentive service.
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