Home Savings Bank, FSB

Overview / Commentary
202 Elm Street
Ludlow, KY 41016

Home Savings Bank, FSB is headquartered in Ludlow and is the 124th largest bank in the state of Kentucky. It is also the 4,696th largest bank in the nation. It was established in 1941 and as of June of 2022, it had grown to 6 employees at 1 location. Home Savings Bank, FSB has a C+ health rating.


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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

FDIC Certificate #31723
Year Established1941
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.55%
Return on Equity - YTD-4.17%
Annual Interest Income$451.00K
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$26.6MM$27.3MM
LoansQ2 2022vs Q2 2021$16.0MM$16.9MM
DepositsQ2 2022vs Q2 2021$19.4MM$20.8MM
Equity CapitalQ2 2022vs Q2 2021$3.5MM$3.6MM
Loan Loss AllowanceQ2 2022vs Q2 2021$141.00K$141.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$490.00K$371.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for Home Savings Bank, FSB are currently being reviewed.


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

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