TellerScore

Headquartered in Huntington, West Virginia, Huntington Federal Savings Bank is a savings bank with $532.3M in total assets and $422.4M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1929.

Huntington Federal Savings Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 12th. Capital cushion contributes the most (100/100, 15.07%); earnings contributes the least (5/100, -0.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.07%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings5/100
Return on assets (annualized): -0.38%
Funding & liquidity92/100
Loans ÷ deposits and uninsured-deposit share: 68.4% · 6.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.24%

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 2 points (75 → 77), mostly because the loan quality component improved by 7 points.

TellerScore
757677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202475
Q4 202475
Q1 202576
Q2 202575
Q3 202575
Q4 202575
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%10.49%15.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.97%
Q3 202415.93%
Q4 202415.73%
Q1 202515.43%
Q2 202515.16%
Q3 202514.93%
Q4 202514.80%
Q1 202614.96%
Q2 202615.07%
Noncurrent loans
0.21%0.35%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.48%
Q4 20240.39%
Q1 20250.38%
Q2 20250.50%
Q3 20250.43%
Q4 20250.33%
Q1 20260.21%
Q2 20260.29%
Return on assets
-0.72%-0.55%-0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.69%
Q3 2024-0.72%
Q4 2024-0.69%
Q1 2025-0.62%
Q2 2025-0.60%
Q3 2025-0.61%
Q4 2025-0.57%
Q1 2026-0.46%
Q2 2026-0.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$532.3M15.07%0.29%-0.38%68.4%
Q1 202677$538.6M14.96%0.21%-0.46%68.5%
Q4 202575$553.1M14.80%0.33%-0.57%65.9%
Q3 202575$556.7M14.93%0.43%-0.61%66.0%
Q2 202575$556.6M15.16%0.50%-0.60%65.8%
Q1 202576$554.6M15.43%0.38%-0.62%64.8%
Q4 202475$543.8M15.73%0.39%-0.69%67.4%
Q3 202475$551.8M15.93%0.48%-0.72%66.9%
Q2 202476$560.1M15.97%0.41%-0.69%64.0%

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 ratio15.07%
87th
Total risk-based capital0.00%
24th
Problem loans0.29%
57th
Net charge-offs0.02%
40th
Return on assets-0.38%
2nd
Net interest margin1.50%
0th
Efficiency ratio134.8%
1st
Loans to deposits68.4%
72nd
Uninsured deposits6.6%
98th
Loan-loss reserves0.81%
12th
Texas ratio1.2%
66th

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Hancock County Savings Bank, F.S.B.Bank Chester, WV79 out of 100, Strong$508.0M18.4%0.63%vs
Jefferson Security BankBank Shepherdstown, WV69 out of 100, Moderate$566.1M8.4%0.01%vs
Freedom Bank, Inc.Bank Belington, WV78 out of 100, Strong$429.7M11.4%0.36%vs
Highlands BankBank Petersburg, WV69 out of 100, Moderate$407.1M11.0%0.91%vs
The Poca Valley Bank, Inc.Bank Walton, WV61 out of 100, Moderate$666.2M7.8%0.37%vs
First Exchange BankBank White Hall, WV49 out of 100, Below average$391.1M9.0%2.10%vs

Deposit insurance

Is my money safe at Huntington Federal Savings Bank?

Yes. Huntington Federal Savings Bank is an FDIC-insured institution (FDIC certificate #27884). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.6% of deposits ($27.9M) 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 15.07%, 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%).

Check how much of your own balance is covered

5 locations

Branches

Huntington Federal Savings Bank lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Huntington Federal Savings Bank reported 275 home-loan applications under HMDA (LEI 549300VSOJCMQO84C619): 199 originated ($37,445,000 total), 21 denied, and 53 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Huntington Federal Savings Bank
Former names
Huntington Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
27884
RSSD ID
609476
Primary regulator
OCC
Established
January 1, 1929
Headquarters
1049 5th Ave, Huntington, WV 25701
Employees
98

Quick answers

Huntington Federal Savings Bank: common questions

Is Huntington Federal Savings Bank FDIC insured?

Yes. Huntington Federal Savings Bank is an FDIC-insured institution (FDIC certificate #27884). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Huntington Federal Savings Bank's TellerScore?

77 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 Huntington Federal Savings Bank ever failed?

There is no failure record for FDIC certificate #27884 in the FDIC failed bank list.

How many branches does Huntington Federal Savings Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Huntington

InstitutionScoreAssetsCapitalProblem loansCompare
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs