Bank Comparison
Home Savings Bank, FSB vs First Federal Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 8
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Home Savings Bank, FSB | First Federal Savings and Loan Association |
|---|---|---|
| CET1 Ratio | — | 22.89% |
| Tier 1 Capital Ratio | — | 22.89% |
| Total Capital Ratio | — | 23.83% |
| Tier 1 Leverage Ratio | 10.51% | 10.12% |
| Equity / Assets | 11.08% | 10.11% |
Profitability
| Metric | Home Savings Bank, FSB | First Federal Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | -1.16% | 0.24% |
| Return on Equity (ROE) | -9.98% | 2.34% |
| Net Interest Margin (NIM) | 2.38% | 2.16% |
| Yield on Earning Assets | 4.81% | 5.13% |
| Cost of Funds | 2.68% | 3.24% |
Asset quality
| Metric | Home Savings Bank, FSB | First Federal Savings and Loan Association |
|---|---|---|
| Texas Ratio | 46.57% | 7.60% |
| Non-Performing Loan Ratio | 7.39% | 0.51% |
| Non-Performing Asset Ratio | 5.42% | 0.37% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.78% | 0.57% |
Balance sheet
| Metric | Home Savings Bank, FSB | First Federal Savings and Loan Association |
|---|---|---|
| Total Assets | $27,191K | $27,131K |
| Total Deposits | $19,832K | $24,179K |
| Total Loans | $19,953K | $19,787K |
| Total Equity | $3,012K | $2,743K |
| Net Income (quarter) | $-76 | $16 |
Liquidity & funding
| Metric | Home Savings Bank, FSB | First Federal Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 100.61% | 81.84% |
| Core Deposit Ratio | 94.23% | 83.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Savings Bank, FSB | First Federal Savings and Loan Association |
|---|---|---|
| Headquarters City | LUDLOW | RAVENSWOOD |
| Headquarters State | KY | WV |
| Asset Tier | Micro | Micro |
| Charter Class | 707384 | 703542 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 4 |
| Established | Jan. 1, 1941, midnight | Jan. 1, 1934, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Home Savings Bank, FSB profile | View full First Federal Savings and Loan Association profile | Browse all bank comparisons