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 4,717th largest bank in the nation. It was established in 1941 and as of March of 2022, it had grown to 6 employees at 1 location. Home Savings Bank, FSB has a B 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-0.68%
Return on Equity - YTD-5.12%
Annual Interest Income$225.00K
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$27.1MM$26.7MM
LoansQ1 2022vs Q1 2021$17.0MM$16.8MM
DepositsQ1 2022vs Q1 2021$19.9MM$20.1MM
Equity CapitalQ1 2022vs Q1 2021$3.5MM$3.6MM
Loan Loss AllowanceQ1 2022vs Q1 2021$141.00K$141.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$470.00K$388.00K
Real Estate OwnedQ1 2022vs Q1 2021$0$0
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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

0.15%--IRA Statement Savings Account
0.10%$10-Passbook Savings Account
0.10%$10-Statement Savings Account

Home Savings Bank, FSB Checking Account Rates

0.15%*$25k*-Gold Account
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k
0.05%$100-NOW Checking Account

Home Savings Bank, FSB CD Rates

0.85%$500-60 Month CD
0.75%$500-48 Month CD
0.65%$500-36 Month CD
0.60%$500-30 Month CD
0.50%$500-24 Month CD
0.40%$500-18 Month CD
0.40%$500-20 Month CD Special
0.35%$500-12 Month CD
0.35%$500-19 Month CD Special
0.30%$500-10 Month CD Special
0.25%$1k-182 Day CD
0.25%$500-9 Month CD Special
0.20%$1k-91 Day CD

Home Savings Bank, FSB IRA Rates

0.85%--60 Month IRA Certificate
0.75%--48 Month IRA Certificate
0.65%--36 Month IRA Certificate
0.55%--24 Month IRA Certificate
0.45%--18 Month IRA Certificate
0.40%--12 Month IRA Certificate

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

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