Home Savings Bank, FSB

Overview / Commentary

www.homesavingsbanknky.com

859-431-4437

202 Elm Street
Ludlow, KY 41016

Home Savings Bank, FSB is headquartered in Ludlow and is the 146^th largest bank in the state of Kentucky. It is also the 5,280^th largest bank in the nation. It was established in 1941 and as of December of 2018, it had grown to 5 employees at 1 location. Home Savings Bank, FSB's CD rates are 11% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2018

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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 Established	1941
Employees	5
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.25%
Return on Equity - YTD	-1.66%
Annual Interest Income	$952.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$25.9MM$25.1MM
Loans	Q4 2018vs Q4 2017	$12.8MM$12.6MM
Deposits	Q4 2018vs Q4 2017	$19.4MM$18.9MM
Equity Capital	Q4 2018vs Q4 2017	$3.9MM$3.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$116.00K$116.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$176.00K$109.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$14.00K

Rates

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Savings
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	IRA Statement Savings Account
0.25%	$10	-	Passbook Savings Account
0.25%	$10	-	Statement Savings Account

Home Savings Bank, FSB Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$25k^*	-	Gold Account
OTHER TIERS: 0.15% → $1k - $10k \| 0.20% → $10k - $25k
0.15%	$100	-	NOW Checking Account

Home Savings Bank, FSB CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%	$500	-	60 Month CD
1.76%	$500	-	48 Month CD
1.41%	$500	-	36 Month CD
1.36%	$500	-	30 Month CD
1.36%	$500	-	20 Month CD Special
1.31%	$500	-	24 Month CD
1.31%	$500	-	19 Month CD Special
1.26%	$500	-	18 Month CD
1.00%	$500	-	12 Month CD
0.90%	$500	-	9 Month CD Special
0.90%	$500	-	10 Month CD Special
0.45%	$1k	-	182 Day CD
0.35%	$1k	-	91 Day CD

Home Savings Bank, FSB IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.28%	-	-	60 Month IRA Certificate
1.41%	-	-	36 Month IRA Certificate
1.31%	-	-	24 Month IRA Certificate
1.26%	-	-	18 Month IRA Certificate
1.01%	-	-	12 Month IRA Certificate

Locations

Home Savings Bank, FSB Locations
Home Savings Bank, FSB	202 Elm Street	Ludlow, KY 41016

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