Home Savings Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
Home Savings Bank, FSB is an FDIC-insured savings institution headquartered in Ludlow, KY, established in 1941 (FDIC certificate 31723), and it is supervised by the OCC. At Q2 2026 it reported total assets of $25.7M, down 7.4% from Q2 2025, the 119th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.19% 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
- 31723
- Headquarters
- Ludlow, KY
- Established
- 1941
- Total assets, Q2 2026
- $25.7M
- Assets vs Q2 2025
- -7.4%
- Tier 1 leverage ratio, Q2 2026
- 10.19%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 242170374
- Latest call report
- Q2 2026, FFIEC 041 · Home Savings Bank, FSB call report
- Asset rank in state
- 119th of 120 in Kentucky
Problem loans are rising at Home Savings Bank, FSB. Its balance sheet stood at $26 million at June 30, 2026, down 7.4% from a year earlier; it is based in Ludlow, Kentucky. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 7.46% of loans from 4.52% a year earlier. It loses about $1.46 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 149 cents to bring in each dollar of revenue, about double the median of 69 cents for banks its size.
It lost $95,000 in the quarter. Over the same year, loans shrank 9.5% and deposits grew 5.8%. Its margin is thin by comparison: it keeps 2.78 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.87 cents).
As of June 30, 2026, Home Savings Bank, FSB reported a return on assets of -1.46%, a nonperforming-loan ratio of 7.46% and a Texas ratio of 48.85%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Home Savings Bank, FSB is the 119th largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets fell 5.3% to $25.7M, loans rose 0.9% and deposits rose 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 79.1% of total loans, ahead of multifamily loans at 9.4%. The FDIC Summary of Deposits lists a single office for it, in Ludlow, KY. Judged on its Q2 2026 call report, Home Savings Bank, FSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 Elm St, Ludlow, KY 41016
- County
- Kenton
- Metro Area
- Cincinnati, Oh-KY-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 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1941
- Former names
- Home Federal Savings and Loan Association of Ludlow (1984-1998)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $20.1M
- Allowance for credit losses
- $159K
- Net charge-offs (YTD)
- $0
- Average total assets
- $26.0M
- Average total loans
- $20.0M
- Average interest-bearing deposits
- $19.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31723
- Fed RSSD
- 33370
- Website
- www.homesavingsbanknky.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 Savings Bank, FSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Home Savings Bank, FSB's total assets ran between $25.1M (Q3 2023) and $28.5M (Q4 2023), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$25.7M total assets against $27.8M; $22.8M total liabilities against $24.6M.
$20.0M net loans and leases against $22.1M; $20.1M total deposits against $19.0M.
$8K securities against $11K; $4.9M cash and balances due against $4.9M.
$327K total interest income against $353K; $150K total interest expense against $171K.
$177K net interest income against $182K.
$9K total noninterest income against $10K; $277K total noninterest expense against $295K.
$4K provision for credit losses against $0.
-$95K net income against -$103K.
-1.46% return on assets against -1.49%; 2.78% net interest margin against 2.69%.
10.19% tier 1 leverage ratio against 10.73%.
Inside the full Home Savings Bank, FSB 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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.
Home Savings Bank, FSB rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.49% (Q2 2025) to -0.28% (Q3 2024) and its net interest margin ran from 2.38% (Q1 2026) to 2.95% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.19% | -1.46% | 7.46% | 48.85% | 2.78% |
| Q1 2026 | 10.51% | -1.16% | 7.39% | 46.57% | 2.38% |
| Q4 2025 | 10.70% | -1.12% | 6.63% | 43.49% | 2.95% |
| Q3 2025 | 10.62% | -1.08% | 6.67% | 42.97% | 2.50% |
| Q2 2025 | 10.73% | -1.49% | 4.52% | 29.77% | 2.69% |
| Q1 2025 | 11.00% | -0.53% | 3.31% | 21.37% | 2.70% |
| Q4 2024 | 11.28% | -0.49% | 1.83% | 11.54% | 2.66% |
| Q3 2024 | 11.40% | -0.28% | 1.26% | 7.82% | 2.62% |
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, FSB (main office) | Ludlow , KY | 41016 | $20.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 149 of 152 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, FSB
What are Home Savings Bank, FSB's total assets?
As of the Q2 2026 filing, Home Savings Bank, FSB reported total assets of $25.7 million in its FFIEC call report.
Where is Home Savings Bank, FSB headquartered?
It is headquartered in Ludlow, KY, United States.
When was Home Savings Bank, FSB founded?
It was established in 1941, per the FDIC institution directory.
Is Home Savings Bank, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31723). 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, FSB?
Home Savings Bank, FSB's primary federal regulator is the OCC.
How many branches does Home Savings Bank, FSB 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, FSB's Texas Ratio?
Its Texas Ratio is 48.85% 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, FSB previously called?
The charter now named Home Savings Bank, FSB has also operated as Home Federal Savings and Loan Association of Ludlow (1984-1998), per FDIC structure-change records.
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