Home Savings Bank (Chanute, KS)
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Data as of · sourced from FFIEC call reports. How we update
Home Savings Bank is an FDIC-insured savings institution headquartered in Chanute, KS, established in 1886 (FDIC certificate 28246), and it is supervised by the OCC. At Q2 2026 it reported total assets of $115.1M, up 4.6% from Q2 2025, the 128th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 29.28% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28246
- Headquarters
- Chanute, KS
- Established
- 1886
- Total assets, Q2 2026
- $115.1M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 29.28%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 301170587
- Latest call report
- Q2 2026, FFIEC 051 · Home Savings Bank call report
- Asset rank in state
- 128th of 182 in Kansas
Home Savings Bank carries far more capital than most banks of its size. The Chanute, Kansas bank had $115 million in assets at June 30, 2026, up 4.6% from a year earlier. It holds common equity equal to 29.28% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 15% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $292,000, 36% above the same quarter a year earlier. Over the same year, loans shrank 2.9% and deposits grew 8.7%. Profitability lags: it returns 6.0% 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 CET1 capital ratio of 29.28%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.41%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Home Savings Bank is the 128th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.6% to $115.1M, loans fell 2.1% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.4% of total loans, followed by farmland and other real estate loans at 14.7%. The FDIC Summary of Deposits lists a single office for it, in Chanute, KS. On its Q2 2026 call report, Home Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 214 N Lincoln Ave, Chanute, KS 66720
- County
- Neosho
- Charter
- Federal savings bank, federal charter, OCC-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, 1886
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $90.5M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $115.1M
- Average total loans
- $74.4M
- Average interest-bearing deposits
- $79.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28246
- Fed RSSD
- 765877
- Website
- www.homesavingschanute.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Home Savings Bank's total assets moved between a low of $102.5M (Q3 2023) and a high of $115.1M (Q2 2026) 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
$115.1M total assets against $110.0M; $95.5M total liabilities against $91.8M.
$71.7M net loans and leases against $74.0M; $90.5M total deposits against $83.2M.
$33.7M securities against $25.1M; $2.3M cash and balances due against $3.7M.
$1.6M total interest income against $1.5M; $473K total interest expense against $504K.
$1.1M net interest income against $984K.
$50K total noninterest income against $22K; $769K total noninterest expense against $710K.
$5K provision for credit losses against $20K.
$292K net income against $215K.
1.01% return on assets against 0.78%; 4.00% net interest margin against 3.86%.
29.28% CET1 capital ratio against 25.75%; 16.73% tier 1 leverage ratio against 16.17%.
Inside the full Home Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHome Savings Bank rankings
Its closest position to the top of a national ranking is 89 of 2,134, for CET1 ratio; its furthest is 3,554 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.43% (Q4 2024) to 1.63% (Q3 2025) and its net interest margin ran from 3.67% (Q4 2024) to 4.06% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.28% | 1.01% | 0.12% | 0.41% | 4.00% |
| Q1 2026 | 27.90% | 0.97% | 0.11% | 0.39% | 3.97% |
| Q4 2025 | 27.42% | 1.05% | 0.11% | 0.41% | 4.01% |
| Q3 2025 | 26.60% | 1.63% | 0.11% | 0.42% | 4.06% |
| Q2 2025 | 25.75% | 0.78% | 0.12% | 0.45% | 3.86% |
| Q1 2025 | 25.03% | 0.90% | 0.12% | 0.48% | 3.74% |
| Q4 2024 | 23.75% | 0.43% | 0.21% | 0.91% | 3.67% |
| Q3 2024 | 24.45% | 0.72% | 0.23% | 0.96% | 3.73% |
Swipe the table sideways to see every column.
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) | Chanute , KS | 66720 | $90.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 159 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Savings Bank
What are Home Savings Bank's total assets?
As of the Q2 2026 filing, Home Savings Bank reported total assets of $115.1 million in its FFIEC call report.
Where is Home Savings Bank headquartered?
It is headquartered in Chanute, KS, United States.
When was Home Savings Bank founded?
It was established in 1886, per the FDIC institution directory.
Is Home Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28246). 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 OCC.
What is Home Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.28% 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 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 0.41% 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.
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