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Home Savings Bank, FSB

under $100M Specialty: Mortgage KY FDIC cert 31723

Designations: ✓ Community bank ✓ Mutual

Ludlow, KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
  • Deposits +5.8% year over year ($20.1M on the books).
  • Delinquency rate 7.52%.
  • Return on assets -1.29%.
  • Efficiency ratio 147.56% vs a 119.40% peer average.
  • Loan-to-deposit ratio 99.56% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 15 in KY
View under $100M leaderboard (KY) →

Home Savings Bank, FSB faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Return on Assets 2.29% below tier average
  • - Net Interest Margin 1.29% below tier average
  • - Efficiency Ratio 28.17% above tier average
  • - Delinquency Rate 6.04% above tier average
  • - Loan-to-Deposit Ratio 25.35% above tier average
  • - Non-Interest-Bearing Deposit Share 21.18% below tier average
  • - Nonperforming Asset Ratio 5.00% above tier average
Get updates when Home Savings Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $25.7M
-7.4% YoY -5.3% QoQ
-$36.7M $62.4M
-0.0% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 8.2% in tier
Total Loans ? $20.0M
-9.6% YoY +0.9% QoQ
-$14.9M $34.9M
-0.6% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $20.1M
+5.8% YoY +1.1% QoQ
-$31.6M $51.6M
-0.2% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 10.3% in tier
Return on Assets ? -1.29%
-28.2% YoY -14.2% QoQ
-2.29% 1.00%
+3.5% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Bottom 5.8% in tier
Net Interest Margin ? 2.62%
-4.3% YoY +8.8% QoQ
-1.29% 3.91%
+2.3% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 8.2% in tier
Efficiency Ratio ? 147.56%
+8.1% YoY +1.1% QoQ
+28.17% 119.40%
+49.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Bottom 4.7% in tier
Delinquency Rate ? 7.52%
+65.2% YoY +0.9% QoQ
+6.04% 1.48%
+31.8% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 3.5% in tier
Loan-to-Deposit Ratio ? 99.56%
-14.5% YoY -0.3% QoQ
+25.35% 74.21%
+12.6% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 9.5% in tier
Non-Interest-Bearing Deposit Share ? 2.31%
+15.1% YoY -12.5% QoQ
-21.18% 23.49%
+0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Bottom 8.2% in tier
Nonperforming Asset Ratio ? 5.84%
+61.2% YoY +7.6% QoQ
+5.00% 0.84%
+23.0% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 2.2% in tier
Tier 1 Capital Ratio ? 10.19%
-5.1% YoY -3.1% QoQ
-16.94% 27.13%
+3.0% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 7.5% in tier
Non-Interest Income / Assets ? 0.07%
-3.4% YoY +124.5% QoQ
-1.31% 1.38%
+6.3% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
24%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 2.3%
+0.3pp YoY
-0.3pp QoQ
 -22.3pp 24.6% 23.5% 22.2% 4%
Brokered Deposits n/a n/a 9.8% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I n/a n/a 13.4% 8.6% 12.5% n/a
CRE 21.0%
-0.6pp YoY
-1.3pp QoQ
 -4.3pp 25.2% 37.1% 41.4% 53%
1-4 Family 79.8%
+0.8pp YoY
+1.3pp QoQ
 +44.8pp 35.0% 41.6% 31.3% 91%
Consumer n/a n/a 7.7% 4.8% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 20.2% 19.7% n/a
Leverage Ratio 10.2%
-0.5pp YoY
-0.3pp QoQ
 -7.5pp 17.7% 14.0% 12.6% 20%
Total Capital Ratio n/a n/a 39.7% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 5
0 YoY
0 QoQ
 -7 12 105 482 7%
Assets per Employee ($) $5.1M
-7.4% YoY
-5.3% QoQ
 -$1.0M $6.2M $6.3M $8.8M 38%
Branch Count 1
0 YoY
0 QoQ
 -1 1 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.3% 0.4% n/a
Nonaccrual 7.5%
+3.0pp YoY
+0.1pp QoQ
 +5.8pp 1.7% 0.8% 1.0% 96%
Allowance Coverage 0.11x
-29.5% YoY
+0.7% QoQ
 -6.30x 6.41x 7.45x 20.23x 1%
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE -11.4%
-2.9pp YoY
-1.4pp QoQ
 -17.8pp 6.4% 13.3% 11.6% 4%
Cost of Funds (YTD) 2.4%
-0.1pp YoY
0.0pp QoQ
 +1.0pp 1.4% 1.7% 1.7% 92%
Net Income ($, YTD) $-171000.0
-22.1% YoY
— QoQ
 -$489K $317,817 $5.1M $40.4M 7%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (11 metrics)

525
Nonperforming Asset Ratio
credit_quality
Value: 5.84%
Peer Median: 0.84%
#525 of 536 Bottom 2.2% in under $100M
500
Delinquency Rate
credit_quality
Value: 7.52%
Peer Median: 1.48%
#500 of 517 Bottom 3.5% in under $100M
512
Efficiency Ratio
profitability
Value: 147.56%
Peer Median: 119.40%
#512 of 536 Bottom 4.7% in under $100M
506
Return on Assets
profitability
Value: -1.29%
Peer Median: 1.00%
#506 of 536 Bottom 5.8% in under $100M
497
Tier 1 Capital Ratio
capital
Value: 10.19%
Peer Median: 27.13%
#497 of 536 Bottom 7.5% in under $100M
493
Non-Interest-Bearing Deposit Share
funding
Value: 2.31%
Peer Median: 23.49%
#493 of 536 Bottom 8.2% in under $100M
493
Net Interest Margin
profitability
Value: 2.62%
Peer Median: 3.91%
#493 of 536 Bottom 8.2% in under $100M
493
Total Assets
size
Value: $25.74M
Peer Median: $62.44M
#493 of 536 Bottom 8.2% in under $100M
486
Loan-to-Deposit Ratio
liquidity
Value: 99.56%
Peer Median: 74.21%
#486 of 536 Bottom 9.5% in under $100M
482
Total Deposits
size
Value: $20.06M
Peer Median: $51.62M
#482 of 536 Bottom 10.3% in under $100M
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