TellerScore

Headquartered in Chanute, Kansas, Home Savings Bank is a savings bank with $115.1M in total assets and $90.5M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1886.

Based on its Q2 2026 filing, Home Savings Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 26th. Its strongest component is capital cushion (100/100; 16.73%), and its lowest is earnings (60/100; 1.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.73%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 79.3% · 27.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.41%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 86).

TellerScore
838587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202484
Q3 202484
Q4 202483
Q1 202586
Q2 202585
Q3 202587
Q4 202587
Q1 202686
Q2 202686
Tier 1 leverage ratio
5.00%10.96%16.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.40%
Q3 202416.85%
Q4 202416.42%
Q1 202516.47%
Q2 202516.17%
Q3 202516.91%
Q4 202516.70%
Q1 202616.68%
Q2 202616.73%
Noncurrent loans
0.11%0.17%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.23%
Q4 20240.21%
Q1 20250.12%
Q2 20250.12%
Q3 20250.11%
Q4 20250.11%
Q1 20260.11%
Q2 20260.12%
Return on assets
0.72%0.91%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.81%
Q4 20240.72%
Q1 20250.89%
Q2 20250.84%
Q3 20251.09%
Q4 20251.08%
Q1 20260.98%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$115.1M16.73%0.12%1.00%79.3%
Q1 202686$113.3M16.68%0.11%0.98%82.5%
Q4 202587$112.7M16.70%0.11%1.08%83.8%
Q3 202587$111.2M16.91%0.11%1.09%85.6%
Q2 202585$110.0M16.17%0.12%0.84%88.9%
Q1 202586$109.4M16.47%0.12%0.89%88.0%
Q4 202483$107.4M16.42%0.21%0.72%93.9%
Q3 202484$106.1M16.85%0.23%0.81%90.5%
Q2 202484$102.9M16.40%0.23%0.87%93.1%

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 ratio16.73%
93rd
Total risk-based capital30.54%
96th
Problem loans0.12%
73rd
Net charge-offs0.00%
68th
Return on assets1.00%
33rd
Net interest margin4.07%
58th
Efficiency ratio67.3%
36th
Loans to deposits79.3%
51st
Uninsured deposits27.9%
35th
Loan-loss reserves1.42%
73rd
Texas ratio0.4%
79th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Lyndon State BankBank Lyndon, KS71 out of 100, Strong$115.1M9.5%0.28%vs
The Baldwin State BankBank Baldwin City, KS75 out of 100, Strong$115.5M10.1%0.04%vs
Bank of Commerce and Trust CompanyBank Wellington, KS56 out of 100, Moderate$112.8M8.8%1.17%vs
First Federal Savings and Loan BankBank Olathe, KS74 out of 100, Strong$109.5M12.3%1.28%vs
The First State Bank of HealyBank Healy, KS82 out of 100, Strong$108.8M16.8%0.89%vs
The Wilson State BankBank Wilson, KS74 out of 100, Strong$123.1M9.5%0.00%vs

Deposit insurance

Is my money safe at Home Savings Bank?

Yes. Home Savings Bank is an FDIC-insured institution (FDIC certificate #28246). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.9% of deposits ($25.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.54% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Home Savings Bank lists 1 office in 1 city. Most locations:

  • Chanute, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
Home Savings Bank
Former names
Home Savings Association
Type
Savings bank
FDIC certificate #
28246
RSSD ID
765877
Primary regulator
OCC
Established
January 1, 1886
Headquarters
214 N Lincoln Ave, Chanute, KS 66720
Employees
15

Quick answers

Home Savings Bank: common questions

Is Home Savings Bank FDIC insured?

Yes. Home Savings Bank is an FDIC-insured institution (FDIC certificate #28246). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Home Savings Bank's TellerScore?

86 out of 100 (Very 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 #28246 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 Chanute

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank in FredoniaBank Fredonia, KS87 out of 100, Very strong$104.4M16.7%0.63%vs
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
FirstOak BankBank Independence, KS75 out of 100, Strong$241.2M10.5%0.00%vs
Bank of CommerceBank Chanute, KS74 out of 100, Strong$497.5M9.2%0.05%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs