Home Bank SB
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Data as of · sourced from FFIEC call reports. How we update
Home Bank SB is an FDIC-insured savings institution headquartered in Martinsville, IN, established in 1890 (FDIC certificate 29881), and it is supervised by the OCC. At Q2 2026 it reported total assets of $433.1M, little changed from Q2 2025, the 46th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.46% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29881
- Headquarters
- Martinsville, IN
- Established
- 1890
- Total assets, Q2 2026
- $433.1M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 12.46%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 274970649
- Asset rank in state
- 46th of 87 in Indiana
Home Bank SB spends more to run itself than most banks of its size. Based in Martinsville, Indiana, it had $433 million in assets at June 30, 2026. It spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.66 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $744,000, 38% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $21 million equal 37% of Tier 1 capital, down from 51% a year earlier.
As of June 30, 2026, Home Bank SB reported a return on assets of 0.66%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 5.23%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Home Bank SB is the 46th largest of the 87 banks headquartered in Indiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $433.1M, loans rose 0.5% and deposits rose 0.5%. 1-4 family residential loans made up 62.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.3%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in IN; its Martinsville 3 offices book 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Home Bank SB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 59 W Washington St, Martinsville, IN 46151
- County
- Morgan
- Metro Area
- Indianapolis-Carmel-Greenwood, IN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Former names
- The Home Building Association (1986-1990)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $370.9M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $38K
- Average total assets
- $453.7M
- Average total loans
- $260.7M
- Average interest-bearing deposits
- $284.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29881
- Fed RSSD
- 1015270
- Website
- www.homebanksb.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Home Bank SB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Home Bank SB's total assets moved between a low of $411.1M (Q3 2024) and a high of $437.1M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$433.1M total assets against $433.3M; $392.9M total liabilities against $401.1M.
$258.3M net loans and leases against $253.8M; $370.9M total deposits against $364.9M.
$108.0M securities against $117.8M; $30.4M cash and balances due against $23.4M.
$4.9M total interest income against $4.7M; $1.2M total interest expense against $1.5M.
$3.7M net interest income against $3.2M.
$1.1M total noninterest income against $1.1M; $3.9M total noninterest expense against $3.9M.
$72K provision for credit losses against -$33K.
$744K net income against $539K.
0.66% return on assets against 0.48%; 3.59% net interest margin against 3.24%.
12.46% tier 1 leverage ratio against 11.96%.
Inside the full Home Bank SB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHome Bank SB rankings
Its closest position to the top of a national ranking is 1,283 of 3,640, for Texas Ratio; its furthest is 3,233 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.22% (Q1 2025) to 0.78% (Q4 2025) and its net interest margin ran from 3.02% (Q4 2024) to 3.59% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.46% | 0.66% | 0.86% | 5.23% | 3.59% |
| Q1 2026 | 12.21% | 0.58% | 0.70% | 4.41% | 3.41% |
| Q4 2025 | 12.26% | 0.78% | 0.67% | 4.23% | 3.47% |
| Q3 2025 | 11.87% | 0.65% | 0.34% | 2.24% | 3.31% |
| Q2 2025 | 11.96% | 0.48% | 0.89% | 6.50% | 3.24% |
| Q1 2025 | 11.92% | 0.22% | 0.43% | 2.90% | 3.02% |
| Q4 2024 | 12.02% | 0.41% | 0.60% | 4.12% | 3.02% |
| Q3 2024 | 12.01% | 0.44% | 0.49% | 2.98% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Bank SB (main office) | Martinsville , IN | 46151 | $180.3M |
| Birk Road Branch | Martinsville , IN | 46151 | $82.5M |
| Home Bk Sb - Mooresville Branch | Mooresville , IN | 46158 | $57.9M |
| Greenwood Branch | Greenwood , IN | 46143 | $30.0M |
| Plainfield Branch | Plainfield , IN | 46168 | $17.4M |
| Thespiritbank.Com Branch | Martinsville , IN | 46151 | $2.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 66 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $365K approved, $365K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Home Bank SB
What are Home Bank SB's total assets?
As of the Q2 2026 filing, Home Bank SB reported total assets of $433.1 million in its FFIEC call report.
Where is Home Bank SB headquartered?
It is headquartered in Martinsville, IN, United States.
When was Home Bank SB founded?
It was established in 1890, per the FDIC institution directory.
Is Home Bank SB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29881). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Bank SB?
Home Bank SB's primary federal regulator is the OCC.
How many branches does Home Bank SB operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Bank SB's Texas Ratio?
Its Texas Ratio is 5.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Home Bank SB previously called?
The charter now named Home Bank SB has also operated as The Home Building Association (1986-1990), per FDIC structure-change records.
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