Home Savings Bank, FSB: how it compares with its peers
Against 194 U.S. banks with half to twice its assets, Home Savings Bank, FSB's strongest measure in Q2 2026 is assets per employee ($5.1M vs. a $5.1M peer median). Its weakest relative measure is efficiency ratio (147.56% vs. 77.52%).
| Measure | Home Savings Bank, FSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.29% | 0.94% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.62% | 3.82% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 147.56% | 77.52% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $5.1M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.56% | 57.97% | Context |
What it means for lending operations
Its efficiency ratio of 147.56% is above the 77.52% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Lipan Lipan, TX · $26M
- Nebraska State Bank Lynch, NE · $25M
- Campus State Bank Campus, IL · $26M
- First Federal Savings & Loan Association of Ravenswood Ravenswood, WV · $26M
- The First National Bank of Assumption Assumption, IL · $25M
Questions about Home Savings Bank, FSB
How big is Home Savings Bank, FSB?
Home Savings Bank, FSB, established in 1941, is headquartered in Ludlow, KY. It reported $26M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Home Savings Bank, FSB's return on assets?
-1.29% annualized in Q2 2026, against a 0.94% median for 194 U.S. banks with half to twice its assets, ahead of 10% of them.
What is Home Savings Bank, FSB's efficiency ratio?
147.56% in Q2 2026: it spent about 148 cents in noninterest expense for each dollar of revenue. The peer median is 77.52%, and lower is better.
Is Home Savings Bank, FSB growing its loans?
Net loans shrank 9.6% over the year to Q2 2026, while deposits grew 5.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.