Home Savings Bank, FSB is a savings bank headquartered in Ludlow, Kentucky, in business for about 85 years. At the end of Q2 2026 it reported $25.7M in total assets and $20.1M in deposits, with 1 office.
Based on its Q2 2026 filing, Home Savings Bank, FSB scores 25/100, which we describe as low. That is higher than only 1% of 546 banks with under $100 million in assets. Among 120 banks headquartered in Kentucky, it ranks 120th. Its strongest component is funding & liquidity (61/100; 100% loans-to-deposits, 2% uninsured), and its lowest is earnings (0/100; -1.29%).
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 4 points (29 → 25), mostly because the problem-loan coverage component weakened by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 53 |
| Q4 2024 | 46 |
| Q1 2025 | 31 |
| Q2 2025 | 29 |
| Q3 2025 | 26 |
| Q4 2025 | 26 |
| Q1 2026 | 26 |
| Q2 2026 | 25 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.57% |
| Q3 2024 | 11.40% |
| Q4 2024 | 11.28% |
| Q1 2025 | 11.00% |
| Q2 2025 | 10.73% |
| Q3 2025 | 10.62% |
| Q4 2025 | 10.70% |
| Q1 2026 | 10.51% |
| Q2 2026 | 10.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.83% |
| Q1 2025 | 3.31% |
| Q2 2025 | 4.52% |
| Q3 2025 | 6.67% |
| Q4 2025 | 6.63% |
| Q1 2026 | 7.39% |
| Q2 2026 | 7.46% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | -0.09% |
| Q4 2024 | -0.19% |
| Q1 2025 | -0.53% |
| Q2 2025 | -1.01% |
| Q3 2025 | -1.04% |
| Q4 2025 | -1.05% |
| Q1 2026 | -1.13% |
| Q2 2026 | -1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 25 | $25.7M | 10.19% | 7.46% | -1.29% | 99.6% |
| Q1 2026 | 26 | $27.2M | 10.51% | 7.39% | -1.13% | 99.8% |
| Q4 2025 | 26 | $26.7M | 10.70% | 6.63% | -1.05% | 110.0% |
| Q3 2025 | 26 | $26.6M | 10.62% | 6.67% | -1.04% | 111.9% |
| Q2 2025 | 29 | $27.8M | 10.73% | 4.52% | -1.01% | 116.5% |
| Q1 2025 | 31 | $28.0M | 11.00% | 3.31% | -0.53% | 119.1% |
| Q4 2024 | 46 | $27.8M | 11.28% | 1.83% | -0.19% | 120.3% |
| Q3 2024 | 53 | $27.1M | 11.40% | 1.26% | -0.09% | 119.0% |
| Q2 2024 | 54 | $27.5M | 11.57% | 1.33% | 0.01% | 117.4% |
546 peers · Under $100 million in assets
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 Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hart County Bank and Trust CompanyBank Munfordville, KY | 93 out of 100, Very strong | $24.1M | 34.3% | 0.00% | vs |
| First Federal Savings and Loan AssociationBank Morehead, KY | 54 out of 100, Below average | $41.3M | 25.6% | 3.07% | vs |
| Citizens Federal Savings and Loan AssociationBank Covington, KY | 79 out of 100, Strong | $41.9M | 28.0% | 0.00% | vs |
| Carrollton Federal BankBank Carrollton, KY | 87 out of 100, Very strong | $43.6M | 15.7% | 0.00% | vs |
| Cornerstone Community BankBank Owensboro, KY | 74 out of 100, Strong | $44.5M | 277.2% | 0.00% | vs |
| Pinnacle Bank, Inc.Bank Pikeville, KY | 67 out of 100, Moderate | $57.9M | 15.7% | 1.74% | vs |
Deposit insurance
Is my money safe at Home Savings Bank, FSB?
Yes. Home Savings Bank, FSB is an FDIC-insured institution (FDIC certificate #31723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 2.0% of deposits ($410K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.19%, 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, FSB lists 1 office in 1 city. Most locations:
- Ludlow, KY (1)
Identity & history
Profile
- Legal name
- Home Savings Bank, FSB
- Former names
- Home Building Association; Home Federal Savings and Loan Association of Ludlow
- Type
- Savings bank
- FDIC certificate #
- 31723
- RSSD ID
- 33370
- Primary regulator
- OCC
- Established
- January 1, 1941
- Headquarters
- 202 Elm St, Ludlow, KY 41016
- Website
- www.homesavingsbanknky.com
- Employees
- 5
Quick answers
Home Savings Bank, FSB: common questions
Is Home Savings Bank, FSB FDIC insured?
Yes. Home Savings Bank, FSB is an FDIC-insured institution (FDIC certificate #31723). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home Savings Bank, FSB's TellerScore?
25 out of 100 (Low), 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, FSB ever failed?
There is no failure record for FDIC certificate #31723 in the FDIC failed bank list.
How many branches does Home Savings Bank, FSB have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ludlow
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |