Home Savings Bank (FDIC certificate #26798) is based in Salt Lake City, Utah. Its Q2 2026 call report shows $108.8M in total assets and $76.4M in deposits and 1 office.
Based on its Q2 2026 filing, Home Savings Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 45 banks headquartered in Utah, it ranks 11th. Its strongest component is capital cushion (100/100; 15.73%), and its lowest is funding & liquidity (50/100; 121% loans-to-deposits, 9% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 2 points (86 → 84), mostly because the earnings component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 85 |
| Q1 2025 | 88 |
| Q2 2025 | 86 |
| Q3 2025 | 83 |
| Q4 2025 | 84 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.36% |
| Q3 2024 | 14.33% |
| Q4 2024 | 15.18% |
| Q1 2025 | 15.64% |
| Q2 2025 | 16.43% |
| Q3 2025 | 15.44% |
| Q4 2025 | 15.59% |
| Q1 2026 | 14.34% |
| Q2 2026 | 15.73% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.94% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.12% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.96% |
| Q2 2026 | 0.89% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $108.8M | 15.73% | 0.00% | 0.89% | 121.1% |
| Q1 2026 | 84 | $111.4M | 14.34% | 0.00% | 0.96% | 99.5% |
| Q4 2025 | 84 | $113.0M | 15.59% | 0.00% | 0.87% | 106.6% |
| Q3 2025 | 83 | $116.9M | 15.44% | 0.00% | 0.85% | 112.7% |
| Q2 2025 | 86 | $114.3M | 16.43% | 0.00% | 1.12% | 111.6% |
| Q1 2025 | 88 | $115.0M | 15.64% | 0.00% | 1.38% | 111.3% |
| Q4 2024 | 85 | $118.5M | 15.18% | 0.00% | 1.03% | 107.5% |
| Q3 2024 | 82 | $126.0M | 14.33% | 0.00% | 0.94% | 117.4% |
| Q2 2024 | 82 | $129.3M | 15.36% | 0.00% | 0.71% | 127.4% |
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).
Similar-size banks in Utah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| B2 Bank National AssociationBank Holladay, UT | 57 out of 100, Moderate | $114.6M | 13.7% | 2.07% | vs |
| Utah Independent BankBank Salina, UT | 79 out of 100, Strong | $170.9M | 16.3% | 1.82% | vs |
| Continental BankBank Salt Lake City, UT | 80 out of 100, Strong | $181.8M | 16.2% | 0.98% | vs |
| Brighton BankBank Salt Lake City, UT | 78 out of 100, Strong | $321.6M | 11.7% | 0.49% | vs |
| Varo Bank, National AssociationBank Draper, UT | 76 out of 100, Strong | $337.8M | 18.5% | 0.42% | vs |
| Milestone BankBank Salt Lake City, UT | 53 out of 100, Below average | $342.2M | 15.0% | 5.32% | vs |
Deposit insurance
Is my money safe at Home Savings Bank?
Yes. Home Savings Bank is an FDIC-insured institution (FDIC certificate #26798). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.6% of deposits ($6.6M) 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 15.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Home Savings Bank lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Home Savings Bank
- Former names
- Home Credit Financial; Home Credit Bank; Home Credit Thrift and Loan
- Type
- State-chartered bank
- FDIC certificate #
- 26798
- RSSD ID
- 460770
- Primary regulator
- FDIC
- Holding company
- Jgs Jr Family Holding Corp
- Established
- January 1, 1979
- Headquarters
- 3539 S Main St, Salt Lake City, UT 84115
- Website
- www.hsbutah.com
- Employees
- 9
Quick answers
Home Savings Bank: common questions
Is Home Savings Bank FDIC insured?
Yes. Home Savings Bank is an FDIC-insured institution (FDIC certificate #26798). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home Savings Bank's TellerScore?
84 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 Bank ever failed?
There is no failure record for FDIC certificate #26798 in the FDIC failed bank list.
How many branches does Home Savings Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Salt Lake City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Uintah Credit UnionCredit union Vernal, UT | 100 out of 100, Very strong | $3.9M | 21.3% | 0.00% | vs |
| Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA | 93 out of 100, Very strong | $26.8M | 20.1% | 0.41% | vs |
| Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT | 93 out of 100, Very strong | $166K | 99.9% | — | vs |
| Optum Bank, Inc.Bank Draper, UT | 93 out of 100, Very strong | $21.4B | 13.2% | 0.21% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Wiremen'S Credit UnionCredit union Parma, OH | 92 out of 100, Very strong | $40.6M | 17.0% | 0.11% | vs |