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 140^th largest bank in the state of Kentucky. It is also the 5,131^st largest bank in the nation. It was established in 1941 and as of September of 2019, it had grown to 5 employees at 1 location. Home Savings Bank, FSB's CD rates are 11% higher than the national average, but it has a C health rating.

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Health

Data as of Q3 2019

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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	-0.49%
Return on Equity - YTD	-3.26%
Annual Interest Income	$704.00K

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$26.2MM$25.6MM
Loans	Q3 2019vs Q3 2018	$12.7MM$13.1MM
Deposits	Q3 2019vs Q3 2018	$19.3MM$19.5MM
Equity Capital	Q3 2019vs Q3 2018	$3.8MM$3.9MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$116.00K$116.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$782.00K$180.00K
Real Estate Owned	Q3 2019vs Q3 2018	$34.00K$0

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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