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Home Savings Bank, FSB
Ludlow, KY · FDIC Certificate #31723 · Chartered 01/0
Total assets
$25.74M
Total deposits
$20.06M
Total equity
$2.92M
Net loans
$19.97M
Branches (offices)
1
Net income (YTD)
-$171.00K
Rank: #4,166 of 4,213 U.S. banks by assets · #119 of 120 in Kentucky. Assets changed -7.4% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.29% |
| Return on equity | -11.39% |
| Net interest margin (YTD) | 2.62% |
| Equity to assets | 11.33% |
| Tier 1 leverage ratio | 10.19% |
| Uninsured deposits (share of deposits) | 2.0% |
| Noncurrent loans (share of loans) | 7.46% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.6% |
| Real estate loans (share of loans) | 100.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $20.12M | 100.7% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $716.00K | 3.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $26.64M | $19.45M | -$73.00K | $3.47M |
| Jun 2023 | $25.24M | $17.10M | -$15.00K | $3.45M |
| Jun 2024 | $27.54M | $18.17M | $1.00K | $3.41M |
| Jun 2025 | $27.78M | $18.97M | -$140.00K | $3.23M |
| Jun 2026 | $25.74M | $20.06M | -$171.00K | $2.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $20.06M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $20.06M.
Similar-sized banks
The First National Bank Of Lipan ($25.94M) · Nebraska State Bank ($25.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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