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1 Home Loan Plaza, Suite 3
Warwick, RI 02886

Home Loan Investment Bank, F.S.B. is headquartered in Warwick and is the 7th largest bank in the state of Rhode Island. It is also the 3,001st largest bank in the nation. It was established in 1979 and as of March of 2014, it had grown to 112 employees at 3 locations. Home Loan Investment Bank, F.S.B. has a B+ health rating.

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Reviews (1)

Bankers Are Thieves

This bank stole my 82 year old father's entire deposit with this bank. Dad and Mom opened an account over 20 years ago with this bank, and a few years ago Mom passed away. Dad therefore decided to take his wife's name off and added his youngest son on as a second signature on his account. But the son's ex-wife defaulted on a loan with Home Loan on her house. The bank without any notice simply took all of my Dad's money just because the son's name is also on the account.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Home Loan Investment Bank, F.S.B. had $4.64 million in non-current loans and owned real-estate with $23.32 million in equity and loan loss allowances on hand to cover it. This gives Home Loan Investment Bank, F.S.B. a Texas Ratio of 19.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Home Loan Investment Bank, F.S.B. decreased slightly from 24.82% as of March 31, 2013 to 19.89% as of March 31, 2014, resulting in a positive change of 19.84%.This indicates that the balance sheet and financial strength for Home Loan Investment Bank, F.S.B. has improved slightly in recent periods.

Deposit Growth


In the past year, Home Loan Investment Bank, F.S.B. has increased its total deposits by $11.38 million, resulting in 6.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home Loan Investment Bank, F.S.B. has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home Loan Investment Bank, F.S.B. has $205.83 million in assets with $23.32 million in equity, resulting in a capitalization level of 11.33%, which is excellent.

Institution Statistics

FDIC Certificate #27417
Year Established1979
Primary RegulatorOCC
Assets and Liabilities
Assets$205.83 million
Loans$171.05 million
Deposits$184.24 million
Equity Capital$19.48 million
Loan Loss Allowance$3.85 million
Unbacked Noncurrent Loans$2.18 million
Real Estate Owned$2.46 million
Historic Data - March 2013
Assets$192.70 million
Equity Capital$17.88 million
Loan Loss Allowance$5.09 million
Unbacked Noncurrent Loans$2.18 million
Real Estate Owned$1.57 million
Profit Margin - Quarterly
Net Interest Margin5.16%
Return on Assets0.26%
Return on Equity2.76%
Interest Income$3.04 million
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Home Loan Investment Bank, F.S.B. CD Rates

2.10%$1k-5 Year CD
1.50%$1k-3 Year CD
1.25%$1k-30 Month CD
0.65%$1k-2 Year CD
0.60%$1k-18 Month CD
0.45%$1k-1 Year CD
0.35%$1k-6 Month CD
0.30%$1k-3 Month CD

Home Loan Investment Bank, F.S.B. IRA Rates

2.00%$1k-5 Year IRA
1.50%$1k-3 Year IRA
0.65%$1k-2 Year IRA
0.60%$1k-18 Month IRA
0.45%$1k-1 Year IRA

Home Loan Investment Bank, F.S.B. Locations
Home Loan Investment Bank, F.S.B.1 Home Loan Plaza, Suite 3Warwick, RI 2886
Providence Office244 Weybosset StreetProvidence, RI 2903
Warwick Branch40 Airport RoadWarwick, RI 2889