Home Savings Bank (Salt Lake City, UT)
Also written as HSB
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Data as of · sourced from FFIEC call reports. How we update
Home Savings Bank is an FDIC-insured commercial bank headquartered in Salt Lake City, UT, established in 1979 (FDIC certificate 26798), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $108.8M, down 4.8% from Q2 2025, the 42nd largest of 44 banks headquartered in Utah. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26798
- Headquarters
- Salt Lake City, UT
- Established
- 1979
- Total assets, Q2 2026
- $108.8M
- Assets vs Q2 2025
- -4.8%
- Tier 1 leverage ratio, Q2 2026
- 15.73%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124002887
- Latest call report
- Q2 2026, FFIEC 051 · Home Savings Bank Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- HOME CREDIT CORPORATION
- Asset rank in state
- 42nd of 44 in Utah
Home Savings Bank pays more for its money than most banks of its size. It reported $109 million in assets at June 30, 2026, down 4.8% from a year earlier. It pays an average of 3.72% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
The balance sheet shrank over the year: over the year loans fell 3.6% and deposits fell 11.3%. Profitability lags: it returns 5.4% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Home Savings Bank reported a return on assets of 0.85%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Home Savings Bank is the 42nd largest of the 44 banks headquartered in Utah. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.4% to $108.8M, loans rose 4.4% and deposits fell 14.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.2% of total loans, ahead of owner-occupied commercial real estate loans at 26.8%. Its one office in the FDIC Summary of Deposits is in Salt Lake City, UT. By the capital ratios in its Q2 2026 call report, Home Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3539 S Main St, Salt Lake City, UT 84115
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1979
- Former names
- Home Credit Bank (1990-2001); Home Credit Financial (1986-1990)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $76.4M
- Allowance for credit losses
- $998K
- Net charge-offs (YTD)
- $0
- Average total assets
- $106.2M
- Average total loans
- $89.2M
- Average interest-bearing deposits
- $83.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 3, 1986
- FDIC Cert
- 26798
- Fed RSSD
- 460770
- Website
- http://www.hsbutah.com →
- Parent Holding Company
- HOME CREDIT CORPORATION (RSSD 1480560)
- Ultimate Parent
- JGS, JR. FAMILY HOLDING CORPORATION (RSSD 5421422)
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 Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Home Savings Bank's total assets moved between a low of $108.8M (Q2 2026) and a high of $129.3M (Q2 2024) 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
$108.8M total assets against $114.3M; $92.1M total liabilities against $96.4M.
$92.5M net loans and leases against $96.1M; $76.4M total deposits against $86.1M.
$0 securities against $0; $12.8M cash and balances due against $14.8M.
$1.9M total interest income against $1.9M; $855K total interest expense against $921K.
$1.1M net interest income against $1.0M.
$12K total noninterest income against $15K; $718K total noninterest expense against $698K.
$52K provision for credit losses against -$7K.
$226K net income against $247K.
0.85% return on assets against 0.91%; 4.01% net interest margin against 3.66%.
15.73% tier 1 leverage ratio against 16.43%.
Inside the full Home Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Home Savings Bank rankings
Its closest position to the top of a national ranking is 2,520 of 3,606, for efficiency ratio; its furthest is 3,633 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.32% (Q3 2025) to 1.43% (Q1 2025) and its net interest margin ran from 3.46% (Q4 2024) to 4.06% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.73% | 0.85% | 0.00% | 0.00% | 4.01% |
| Q1 2026 | 14.34% | 0.94% | 0.00% | 0.00% | 3.85% |
| Q4 2025 | 15.59% | 0.96% | 0.00% | 0.00% | 3.55% |
| Q3 2025 | 15.44% | 0.32% | 0.00% | 0.00% | 4.06% |
| Q2 2025 | 16.43% | 0.91% | 0.00% | 0.00% | 3.66% |
| Q1 2025 | 15.64% | 1.43% | 0.00% | 0.00% | 4.03% |
| Q4 2024 | 15.18% | 1.29% | 0.00% | 0.00% | 3.46% |
| Q3 2024 | 14.33% | 1.40% | 0.00% | 0.00% | 3.47% |
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Branch Network
View the branch → 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 Savings Bank (main office) | Salt Lake City , UT | 84115 | $76.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in UT, rank 54 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 18 applications, 17 loans originated, $5.0M originated, across 2 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 11 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, 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 Savings Bank
What are Home Savings Bank's total assets?
As of the Q2 2026 filing, Home Savings Bank reported total assets of $108.8 million in its FFIEC call report.
Where is Home Savings Bank headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was Home Savings Bank founded?
It was established in 1979, per the FDIC institution directory.
Is Home Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26798). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Savings Bank?
Home Savings Bank's primary federal regulator is the FDIC.
How many branches does Home Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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 Savings Bank previously called?
The charter now named Home Savings Bank has also operated as Home Credit Bank (1990-2001), Home Credit Financial (1986-1990), per FDIC structure-change records.
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