Home Savings and Loan Association of Carroll County, F.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Home Savings and Loan Association of Carroll County, F.A. carries far more capital than most banks of its size. Based in Norborne, Missouri, it had $131 million in assets at June 30, 2026, up 3.3% from a year earlier. It holds common equity equal to 23.98% of its risk-weighted assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it pays an average of 2.43% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $387,000, 83% above the same quarter a year earlier. Over the same year, loans grew 1.3% and deposits grew 4.8%. Its margin is thin by comparison: it keeps 3.36 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Home Savings and Loan Association of Carroll County, F.A. reported a CET1 capital ratio of 23.98%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 3.32%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 210 E 2nd St, Norborne, MO 64668
- County
- Carroll
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Former names
- Home Savings and Loan Association, F.A. (1995-2017)
- Offices
- 2 domestic
- Employees (FTE)
- 13
- Domestic deposits
- $111.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $132.5M
- Average total loans
- $88.8M
- Average interest-bearing deposits
- $111.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27898
- Fed RSSD
- 612878
- Website
- www.norbornehsl.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Home Savings and Loan Association of Carroll County, F.A.: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.98% | 1.17% | 0.73% | 3.32% | 3.36% |
| Q1 2026 | 23.56% | 0.74% | 0.75% | 3.40% | 3.45% |
| Q4 2025 | 23.78% | 0.53% | 1.04% | 4.76% | 3.15% |
| Q3 2025 | 23.33% | 0.87% | 0.68% | 3.25% | 3.26% |
| Q2 2025 | 23.30% | 0.67% | 0.81% | 3.94% | 2.82% |
| Q1 2025 | 24.05% | 0.62% | 0.95% | 4.54% | 2.47% |
| Q4 2024 | 23.58% | 0.27% | 0.88% | 4.33% | 2.49% |
| Q3 2024 | 23.37% | 0.43% | 0.90% | 4.40% | 2.48% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Savings and Loan Association of Carroll County, F.A. (main office) | Norborne , MO | 64668 | $111.6M |
| North Folger Street Branch | Carrollton , MO | 64633 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired Carroll County Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Home Savings and Loan Association of Carroll County, F.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 191 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Home Savings and Loan Association of Carroll County, F.A.
What are Home Savings and Loan Association of Carroll County, F.A.'s total assets?
As of the Q2 2026 filing, Home Savings and Loan Association of Carroll County, F.A. reported total assets of $131.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Home Savings and Loan Association of Carroll County, F.A. headquartered?
Home Savings and Loan Association of Carroll County, F.A. is headquartered in Norborne, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings and loan association must.
When was Home Savings and Loan Association of Carroll County, F.A. founded?
Home Savings and Loan Association of Carroll County, F.A. was established in 1919, per the FDIC institution directory.
Is Home Savings and Loan Association of Carroll County, F.A. FDIC-insured?
Yes. Home Savings and Loan Association of Carroll County, F.A. is an FDIC-insured savings and loan association (FDIC Certificate #27898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Savings and Loan Association of Carroll County, F.A.?
Home Savings and Loan Association of Carroll County, F.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Home Savings and Loan Association of Carroll County, F.A.'s CET1 capital ratio?
Home Savings and Loan Association of Carroll County, F.A. reported a Common Equity Tier 1 (CET1) capital ratio of 23.98% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Home Savings and Loan Association of Carroll County, F.A. operate?
Home Savings and Loan Association of Carroll County, F.A. operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Savings and Loan Association of Carroll County, F.A.'s Texas Ratio?
Home Savings and Loan Association of Carroll County, F.A.'s Texas Ratio is 3.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Home Savings and Loan Association of Carroll County, F.A. previously called?
The charter now named Home Savings and Loan Association of Carroll County, F.A. has also operated as Home Savings and Loan Association, F.A. (1995-2017), per FDIC structure-change records.
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