Home Savings Bank, FSB


Overview / Commentary
859-431-4437
202 Elm Street
Ludlow, KY 41016

Home Savings Bank, FSB is headquartered in LUDLOW and is the 120th largest bank in the state of Kentucky. It is also the 4,371st largest bank in the nation. It was established in 1941 and as of March of 2025, it had grown to 5 employees at 1 location. Home Savings Bank, FSB's CD rates are 51% higher than the national average, but it has a C health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Home Savings Bank, FSB has a low asset base.

Health Grade Components

Overall
FDIC Certificate #31723
Year Established1941
Employees5
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.53%
Return on Equity - YTD-4.42%
Annual Interest Income$353K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$28MM$27.7MM
LoansQ1 2025vs Q1 2024$22.3MM$20.9MM
DepositsQ1 2025vs Q1 2024$18.7MM$19MM
Equity CapitalQ1 2025vs Q1 2024$3.3MM$3.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$151K$150K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$744K$297K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Home Savings Bank, FSB Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Passbook Savings Account
0.10%$0-Statement Savings Account

Home Savings Bank, FSB Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Gold Account
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k
0.05%$0-NOW Checking Account

Home Savings Bank, FSB CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.86%$500-60 Month CD
1.76%$500-48 Month CD
1.66%$500-36 Month CD
1.61%$500-30 Month CD
1.51%$500-24 Month CD
1.41%$500-18 Month CD
1.41%$500-20 Month CD Special
1.36%$500-12 Month CD
1.36%$500-19 Month CD Special
1.31%$500-10 Month CD Special
1.26%$500-9 Month CD Special
1.00%$1k-182 Day CD

Home Savings Bank, FSB IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.87%$0-60 Month IRA Certificate
1.77%$0-48 Month IRA Certificate
1.66%$0-36 Month IRA Certificate
1.56%$0-24 Month IRA Certificate
1.46%$0-18 Month IRA Certificate
1.41%$0-12 Month IRA Certificate
0.15%$0-IRA Statement Savings Account
Locations


Home Savings Bank, FSB Locations
Home Savings Bank, FSB202 Elm StLudlow, KY 41016

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