Home Savings Bank, FSB
Ludlow, KY · Cert 31723 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15)
State savings bank · OCC · 1 branch
Q2 2026
$25.7MAssets
$20.1MLoans
$20.1MDeposits
$2.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 8 of 15).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 15 of 15).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-1.33%
Rank 15 of 15
Net Interest Margin
2.58%
Rank 13 of 15
Efficiency Ratio
147.56%
Rank 15 of 15
Equity / Assets
11.33%
Rank 8 of 15
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 7% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.33% | 0.35% | 0.56% | 1.05% | Beats 0% | 15 / 15 | |
| Return on Equity | -11.73% | 1.73% | 4.99% | 6.76% | Beats 0% | 15 / 15 | |
| Net Interest Margin | 2.58% | 2.85% | 3.21% | 3.42% | Beats 13% | 13 / 15 | |
| Efficiency Ratio | 147.56% | 64.82% | 75.45% | 88.43% | Beats 7% | 15 / 15 | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.46% | 0.12% | 0.43% | 1.30% | Beats 7% | 15 / 15 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.00% | Beats 100% | 8 / 15 | |
| Capital |
| Tier 1 Capital Ratio | 10.19% | 13.11% | 14.76% | 20.06% | Beats 0% | 15 / 15 | |
| Total Risk-Based Capital Ratio | 10.19% | 14.37% | 15.36% | 20.06% | Beats 0% | 15 / 15 | |
| Equity / Assets | 11.33% | 10.14% | 11.33% | 20.42% | Beats 47% | 8 / 15 | |
| Liquidity & Funding |
| Loans / Deposits | 100.35% | 80.04% | 97.18% | 103.56% | 67th pctl | 5 / 15 | |
| Loans / Assets | 78.21% | 68.16% | 75.18% | 82.63% | 67th pctl | 5 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |