Home Savings Bank, FSB: 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.
Deposits to assets climbed 5.00 percentage points in Q2 2026, from 72.94% to 77.94%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Home Savings Bank, FSB is 1st from the bottom among 119 Kentucky banks, -1.46% (Q2 2026). Home Savings Bank, FSB's return on assets of -1.46% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 2.45 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.19% |
| Equity capital to assets | 11.33% |
| Tangible equity to tangible assets | 11.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.46% |
| Non-performing assets ratio | 5.84% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 48.85% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 10.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.46% |
| Return on equity | -12.82% |
| Net interest margin | 2.78% |
| Efficiency ratio | 148.92% |
| Yield on earning assets | 5.14% |
| Cost of funds | 3.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.35% |
| Core deposits to total deposits | 92.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.94% |
| Securities to assets | 0.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.79% | -0.61% | 3.20% | 0.91% | 0.00% |
| Q4 2023 | 11.59% | -0.26% | 2.80% | 0.82% | 0.00% |
| Q1 2024 | 11.42% | 0.50% | 3.51% | 1.41% | 0.00% |
| Q2 2024 | 11.57% | -0.50% | 2.70% | 1.33% | 0.00% |
| Q3 2024 | 11.40% | -0.28% | 2.62% | 1.26% | 0.00% |
| Q4 2024 | 11.28% | -0.49% | 2.66% | 1.83% | 0.00% |
| Q1 2025 | 11.00% | -0.53% | 2.70% | 3.10% | 0.00% |
| Q2 2025 | 10.73% | -1.49% | 2.69% | 4.52% | 0.00% |
| Q3 2025 | 10.62% | -1.08% | 2.50% | 6.42% | 0.00% |
| Q4 2025 | 10.70% | -1.12% | 2.95% | 6.63% | 0.00% |
| Q1 2026 | 10.51% | -1.16% | 2.38% | 7.39% | 0.00% |
| Q2 2026 | 10.19% | -1.46% | 2.78% | 7.46% | 0.00% |
Home Savings Bank, FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings Bank, FSB, 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, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31723) · FFIEC NIC profile (RSSD 33370)