The Hometown Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
The Hometown Savings Bank is an FDIC-insured savings bank headquartered in Terre Haute, IN, established in 1869 (FDIC certificate 17736), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $455.7M, down 4.8% from Q2 2025, the 44th largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 12.93% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17736
- Headquarters
- Terre Haute, IN
- Established
- 1869
- Total assets, Q2 2026
- $455.7M
- Assets vs Q2 2025
- -4.8%
- CET1 ratio, Q2 2026
- 12.93%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 274971729
- Latest call report
- Q2 2026, FFIEC 051 · The Hometown Savings Bank call report
- Holding company
- TERRE HAUTE SAVINGS MHC, INC.
- Asset rank in state
- 44th of 87 in Indiana
The Hometown Savings Bank spends more to run itself than most banks of its size. It reported $456 million in assets at June 30, 2026, down 4.8% from a year earlier. It earns about $0.27 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $18 million equal 45% of Tier 1 capital, down from 55% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 4.1% and deposits fell 4.6%. Its margin is thin by comparison: it keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, The Hometown Savings Bank reported a CET1 capital ratio of 12.93%, a return on assets of 0.27%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 5.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Hometown Savings Bank is the 44th largest of the 87 banks headquartered in Indiana. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $455.7M, loans fell 0.7% and deposits fell 1.7%. 1-4 family residential loans made up 49.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 16.2%. The FDIC Summary of Deposits lists 8 offices for it, in 4 cities across 2 states; its Terre Haute 5 offices book 80% of its branch deposits. Judged on its Q2 2026 call report, The Hometown Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 533 Ohio St, Terre Haute, IN 47807
- County
- Vigo
- Metro Area
- Terre Haute, IN
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 1, 1869
- Former names
- The Hometown Savings Bank (2022); Terre Haute Savings Bank (1975-2022)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 101
- Domestic deposits
- $406.3M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $473.3M
- Average total loans
- $295.9M
- Average interest-bearing deposits
- $343.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 28, 1957
- FDIC Cert
- 17736
- Fed RSSD
- 697147
- Website
- http://www.thsb.com →
- Parent Holding Company
- TERRE HAUTE SAVINGS MHC, INC. (RSSD 2861773)
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
The Hometown Savings Bank's total assets moved between a low of $426.6M (Q3 2023) and a high of $478.8M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$455.7M total assets against $478.8M; $427.4M total liabilities against $454.1M.
$290.8M net loans and leases against $279.3M; $406.3M total deposits against $426.0M.
$113.8M securities against $123.2M; $19.7M cash and balances due against $43.8M.
$5.4M total interest income against $5.2M; $2.2M total interest expense against $2.4M.
$3.2M net interest income against $2.8M.
$1.2M total noninterest income against $1.1M; $3.9M total noninterest expense against $4.1M.
$95K provision for credit losses against $31K.
$323K net income against -$79K.
0.27% return on assets against -0.07%; 2.91% net interest margin against 2.46%.
12.93% CET1 capital ratio against 12.78%; 8.29% tier 1 leverage ratio against 8.04%.
Inside the full The Hometown Savings Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Hometown Savings Bank rankings
Its closest position to the top of a national ranking is 1,195 of 3,640, for Texas Ratio; its furthest is 3,442 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.24% (Q4 2024) to 0.27% (Q2 2026) and its net interest margin ran from 2.04% (Q3 2024) to 2.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.93% | 0.27% | 0.59% | 5.65% | 2.91% |
| Q1 2026 | 12.80% | 0.15% | 0.58% | 5.73% | 2.80% |
| Q4 2025 | 12.84% | 0.27% | 0.60% | 5.75% | 2.70% |
| Q3 2025 | 13.02% | 0.10% | 0.79% | 7.76% | 2.64% |
| Q2 2025 | 12.78% | -0.07% | 0.78% | 8.09% | 2.46% |
| Q1 2025 | 12.86% | -0.21% | 0.66% | 6.69% | 2.15% |
| Q4 2024 | 12.95% | -0.24% | 0.66% | 7.00% | 2.13% |
| Q3 2024 | 13.68% | -0.13% | 0.67% | 5.95% | 2.04% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → 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 |
|---|---|---|---|
| The Hometown Savings Bank | Terre Haute , IN | 47807 | $193.3M |
| Us Highway 41 Branch | Terre Haute , IN | 47802 | $52.9M |
| Brazil Banking Center Branch | Brazil , IN | 47834 | $41.4M |
| Poplar Street Branch | Terre Haute , IN | 47803 | $38.9M |
| First Savings Bank Branch | Danville , IL | 61832 | $21.1M |
| North Banking Center Branch | Terre Haute , IN | 47804 | $20.8M |
| Riley Branch | Terre Haute , IN | 47802 | $19.6M |
| West Terre Haute Branch | West Terre Haute , IN | 47885 | $18.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2023 | Structure Change | Acquired First Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 63 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 167 applications, 137 loans originated, $33.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $263K approved, $132K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Hometown Savings Bank
What are The Hometown Savings Bank's total assets?
As of the Q2 2026 filing, The Hometown Savings Bank reported total assets of $455.7 million in its FFIEC call report.
Where is The Hometown Savings Bank headquartered?
It is headquartered in Terre Haute, IN, United States.
When was The Hometown Savings Bank founded?
It was established in 1869, per the FDIC institution directory.
Is The Hometown Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17736). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Hometown Savings Bank?
The Hometown Savings Bank's primary federal regulator is the FDIC.
What is The Hometown Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Hometown Savings Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Hometown Savings Bank's Texas Ratio?
Its Texas Ratio is 5.65% 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 The Hometown Savings Bank previously called?
The charter now named The Hometown Savings Bank has also operated as The Hometown Savings Bank (2022), Terre Haute Savings Bank (1975-2022), per FDIC structure-change records.
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