TellerScore

Home Savings and Loan Association of Carroll County, F.A. is a savings association headquartered in Norborne, Missouri, in business for about 107 years. At the end of Q2 2026 it reported $131.4M in total assets and $111.6M in deposits, with 2 offices.

Based on its Q2 2026 filing, Home Savings and Loan Association of Carroll County, F.A. scores 81/100, which we describe as strong. That is higher than 80% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 44th. Its strongest component is capital cushion (95/100; 14.53%), and its lowest is earnings (58/100; 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Tier 1 leverage ratio: 14.53%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.73%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 78.9% · 11.4% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (76 → 81), mostly because the earnings component improved by 12 points.

TellerScore
727781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202472
Q1 202575
Q2 202576
Q3 202578
Q4 202575
Q1 202679
Q2 202681
Tier 1 leverage ratio
5.00%9.77%14.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.26%
Q3 202414.28%
Q4 202414.18%
Q1 202514.19%
Q2 202514.32%
Q3 202514.47%
Q4 202514.34%
Q1 202614.28%
Q2 202614.53%
Noncurrent loans
0.65%0.84%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.65%
Q3 20240.90%
Q4 20240.88%
Q1 20250.95%
Q2 20250.81%
Q3 20250.68%
Q4 20251.04%
Q1 20260.75%
Q2 20260.73%
Return on assets
0.19%0.58%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.27%
Q4 20240.27%
Q1 20250.62%
Q2 20250.64%
Q3 20250.72%
Q4 20250.67%
Q1 20260.75%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$131.4M14.53%0.73%0.96%78.9%
Q1 202679$133.1M14.28%0.75%0.75%76.4%
Q4 202575$130.2M14.34%1.04%0.67%77.9%
Q3 202578$126.1M14.47%0.68%0.72%84.6%
Q2 202576$127.2M14.32%0.81%0.64%81.8%
Q1 202575$127.8M14.19%0.95%0.62%78.3%
Q4 202472$124.6M14.18%0.88%0.27%82.3%
Q3 202472$124.4M14.28%0.90%0.27%84.2%
Q2 202474$123.4M14.26%0.65%0.19%86.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.53%
84th
Total risk-based capital25.23%
94th
Problem loans0.73%
36th
Net charge-offs0.01%
44th
Return on assets0.96%
31st
Net interest margin3.44%
25th
Efficiency ratio64.4%
44th
Loans to deposits78.9%
52nd
Uninsured deposits11.4%
91st
Loan-loss reserves1.20%
51st
Texas ratio3.2%
46th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Community State BankBank Shelbina, MO83 out of 100, Strong$132.8M12.0%0.10%vs
Concordia Bank of Concordia, MissouriBank Concordia, MO80 out of 100, Strong$130.0M11.9%0.32%vs
Community Bank of Pleasant HillBank Pleasant Hill, MO76 out of 100, Strong$133.4M10.4%0.00%vs
County BankBank Brunswick, MO76 out of 100, Strong$133.7M8.3%0.00%vs
State Bank of MissouriBank Concordia, MO55 out of 100, Moderate$134.3M8.9%1.80%vs
Preferred BankBank Rothville, MO69 out of 100, Moderate$134.5M7.6%0.18%vs

Deposit insurance

Is my money safe at Home Savings and Loan Association of Carroll County, F.A.?

Yes. Home Savings and Loan Association of Carroll County, F.A. is an FDIC-insured institution (FDIC certificate #27898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.4% of deposits ($12.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.23% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Home Savings and Loan Association of Carroll County, F.A. lists 2 offices in 2 cities. Most locations:

  • Carrollton, MO (1)
  • Norborne, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Home Savings and Loan Association of Carroll County, F.A.
Former names
Home Savings and Loan Association, F.A.; Home Savings and Loan Association of Norborne
Type
Savings association
FDIC certificate #
27898
RSSD ID
612878
Primary regulator
OCC
Established
January 1, 1919
Headquarters
210 E 2nd St, Norborne, MO 64668
Employees
13

Quick answers

Home Savings and Loan Association of Carroll County, F.A.: common questions

Is Home Savings and Loan Association of Carroll County, F.A. FDIC insured?

Yes. Home Savings and Loan Association of Carroll County, F.A. is an FDIC-insured institution (FDIC certificate #27898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Home Savings and Loan Association of Carroll County, F.A.'s TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Home Savings and Loan Association of Carroll County, F.A. ever failed?

There is no failure record for FDIC certificate #27898 in the FDIC failed bank list.

How many branches does Home Savings and Loan Association of Carroll County, F.A. have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Norborne

InstitutionScoreAssetsCapitalProblem loansCompare
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Bank 21Bank Carrollton, MO79 out of 100, Strong$202.1M11.5%0.05%vs
Bank NorthwestBank Hamilton, MO77 out of 100, Strong$210.3M9.7%0.16%vs
Goppert Financial BankBank Lathrop, MO76 out of 100, Strong$312.0M10.1%0.00%vs
North American Savings Bank, F.S.B.Bank Grandview, MO76 out of 100, Strong$3.2B14.2%0.90%vs
Pony Express BankBank Braymer, MO76 out of 100, Strong$399.5M10.2%0.17%vs