BlastPoint's Banking Scorecard
Home Savings Bank, FSB
Designations: ✓ Community bank ✓ Mutual
Ludlow, KY
Home Savings Bank, FSB faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.98% below tier average
- - Net Interest Margin 1.46% below tier average
- - Efficiency Ratio 58.38% above tier average
- - Delinquency Rate 6.09% above tier average
- - Loan-to-Deposit Ratio 35.72% above tier average
- - Non-Interest-Bearing Deposit Share 21.14% below tier average
- - Nonperforming Asset Ratio 4.65% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.2M
-2.8% YoY
+1.9% QoQ
|
-$35.1M |
$62.3M
-0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.0% YoY
|
Bottom 9.7% in tier |
| Total Loans ? |
$19.8M
-11.2% YoY
-6.0% QoQ
|
-$14.5M |
$34.3M
-1.5% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.7% YoY
|
27% |
| Total Deposits ? |
$19.8M
+5.9% YoY
+3.5% QoQ
|
-$32.0M |
$51.8M
-0.6% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.0% YoY
|
Bottom 8.6% in tier |
| Return on Assets ? |
-1.13%
-112.6% YoY
-7.2% QoQ
|
-1.98% |
0.86%
-3.6% YoY
|
1.25%
+16.2% YoY
|
1.24%
+13.1% YoY
|
Bottom 6.7% in tier |
| Net Interest Margin ? |
2.41%
-12.3% YoY
-12.6% QoQ
|
-1.46% |
3.87%
+2.7% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.8% in tier |
| Efficiency Ratio ? |
146.01%
+22.4% YoY
+5.8% QoQ
|
+58.38% |
87.63%
+2.3% YoY
|
64.22%
-6.1% YoY
|
66.84%
-3.8% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate ? |
7.45%
+123.3% YoY
+11.6% QoQ
|
+6.09% |
1.36%
+33.7% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.3% in tier |
| Loan-to-Deposit Ratio ? |
99.83%
-16.2% YoY
-9.2% QoQ
|
+35.72% |
64.11%
-0.9% YoY
|
80.71%
+1.5% YoY
|
76.69%
+0.9% YoY
|
Bottom 7.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.64%
+65.0% YoY
+69.8% QoQ
|
-21.14% |
23.79%
+0.5% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.1% YoY
|
Bottom 8.8% in tier |
| Nonperforming Asset Ratio ? |
5.42%
+104.0% YoY
+2.9% QoQ
|
+4.65% |
0.77%
+28.7% YoY
|
0.61%
+22.3% YoY
|
0.66%
+19.3% YoY
|
Bottom 2.4% in tier |
| Tier 1 Capital Ratio ? |
10.51%
-4.5% YoY
-1.8% QoQ
|
-16.27% |
26.77%
+2.0% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.7% in tier |
| Non-Interest Income / Assets ? |
0.03%
-8.5% YoY
-73.8% QoQ
|
-0.64% |
0.67%
+1.6% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.0% YoY
|
22% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.