Home Savings Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Savings Bank, FSB of Ludlow, KY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.46% | 3.14% | -4.60% | 6th bottom |
| ROAE | -12.82% | 10.43% | -23.25% | 5th bottom |
| Net Interest Margin | 2.78% | 3.93% | -1.15% | 10th bottom |
| Efficiency Ratio | 148.92% | 76.25% | +72.67% | 5th bottom |
| PPNR / Avg Assets | -1.40% | 1.40% | -2.80% | 4th bottom |
| Yield on Earning Assets | 5.14% | 5.35% | -0.21% | 47th below |
| Cost of Funds | 3.01% | 1.70% | +1.31% | 8th bottom |
| Net Interest Spread | 2.50% | 3.31% | -0.81% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.46% | 1.34% | +6.12% | 4th bottom |
| NPA / Total Assets | 5.84% | 0.71% | +5.13% | 2nd bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.79% | 1.49% | -0.70% | 14th bottom |
| ACL / NPLs (Coverage) | 10.59% | 865.05% | -854.46% | 1st bottom |
| Texas Ratio | 48.85% | 8.22% | +40.63% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.19% | 17.61% | -7.42% | 21st bottom |
| Equity / Assets | 11.33% | 16.43% | -5.10% | 39th below |
| TCE / Tangible Assets | 11.33% | 16.18% | -4.85% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.35% | 72.81% | +27.54% | 9th bottom |
| Core Deposit Ratio | 92.97% | 88.21% | +4.76% | 60th above |
| Wholesale Funding Ratio | 9.78% | 5.27% | +4.51% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.36% | 4.31% | -11.67% | 7th bottom |
| Loan Growth (Y/Y) | -9.52% | 6.73% | -16.25% | 10th bottom |
| Deposit Growth (Y/Y) | 5.77% | 3.77% | +2.00% | 69th above |
See Home Savings Bank, FSB's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Savings Bank, FSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Home Savings Bank, FSB profile, how to read a UBPR, or how this data updates.