Home Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 55.24 percentage points in Q2 2026, from 1285.00% to 1229.76%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Home Savings Bank is 150th of 182 on return on assets, 1.01% as of Q2 2026, below the middle of the field. Home Savings Bank reported 1.01% on return on assets for Q2 2026, 0.23 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.28% |
| Tier 1 risk-based capital ratio | 29.28% |
| Total risk-based capital ratio | 30.54% |
| Tier 1 leverage ratio | 16.73% |
| Equity capital to assets | 16.99% |
| Tangible equity to tangible assets | 16.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.41% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 1229.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 6.00% |
| Net interest margin | 4.00% |
| Efficiency ratio | 66.97% |
| Yield on earning assets | 5.72% |
| Cost of funds | 2.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.40% |
| Core deposits to total deposits | 65.83% |
| Brokered deposits to total deposits | 4.59% |
| Deposits to assets | 78.64% |
| Securities to assets | 29.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.26% | 23.26% | 24.51% | 16.09% | 0.86% |
| Q4 2023 | 23.96% | 23.96% | 25.22% | 16.10% | 0.60% |
| Q1 2024 | 23.72% | 23.72% | 24.97% | 16.19% | 0.95% |
| Q2 2024 | 24.33% | 24.33% | 25.60% | 16.40% | 0.78% |
| Q3 2024 | 24.45% | 24.45% | 25.70% | 16.85% | 0.72% |
| Q4 2024 | 23.75% | 23.75% | 25.01% | 16.42% | 0.43% |
| Q1 2025 | 25.03% | 25.03% | 26.28% | 16.47% | 0.90% |
| Q2 2025 | 25.75% | 25.75% | 27.01% | 16.17% | 0.78% |
| Q3 2025 | 26.60% | 26.60% | 27.85% | 16.91% | 1.63% |
| Q4 2025 | 27.42% | 27.42% | 28.68% | 16.70% | 1.05% |
| Q1 2026 | 27.90% | 27.90% | 29.15% | 16.68% | 0.97% |
| Q2 2026 | 29.28% | 29.28% | 30.54% | 16.73% | 1.01% |
Home Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28246) · FFIEC NIC profile (RSSD 765877)