HOME SAVINGS BANK, FSB

LUDLOW, KY | Micro | Est. Jan. 1, 1941, midnight | FDIC #31723 | RSSD #33370 | OCC
Latest Report: 2025-12-31

HOME SAVINGS BANK, FSB is amn micro FDIC-insured commercial bank headquartered in LUDLOW, KY, established in Jan. 1, 1941, midnight. As of 2025-12-31, the bank reported total assets of $27M and total deposits of $19M. Profitability stands at -1.11% ROA and -9.49% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 11.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 6.63% and a Texas Ratio of 43.49%. FDIC Certificate #31723.

Assets

$27M

Deposits

$19M

Loans

$21M

Equity

$3M

Profitability

Return on Assets (ROA) -1.11%
Return on Equity (ROE) -9.49%
Net Interest Margin (NIM) 3.08%
Yield on Assets 5.70%
Cost of Funds 2.78%

Asset Quality

NPL Ratio 6.63%
Net Charge-Off Ratio --
Texas Ratio 43.49%
NPA Ratio 5.27%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 11.55%
Tier 1 Capital 11.55%
Total Capital Ratio 12.12%
Leverage Ratio 10.70%
Loan-to-Deposit 110.79%

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