Home Savings Bank, FSB
Ludlow, KY
IDRSSD: 33370
Total Assets
$26.68M
Latest filing
Total Deposits
$19.15M
Latest filing
Net Interest Margin
2.97%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Home Savings Bank, FSB
202 Elm St
Ludlow, KY 41016
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1941FDIC Certificate 44557
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Home Savings Bank, FSB (Main) | 202 Elm St | Ludlow, KY | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1941 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 41016 |
| State and County Number | 21117 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 5 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.homesavingsbanknky.com |
| Data Updated | 01/30/2026 |
| CERT | 31723 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $26.68M |
| Total Deposits | $19.15M |
| Total Liabilities | $23.60M |
| Total Equity Capital | $3.08M |
| Net Income | $-74,000 |
| Net Loans and Leases | $21.07M |
| Assets Per Employee ($Millions) | $6.67M |
| Bank Premises and Fixed Assets | $258.00k |
| Cash and Balances due from Depository Institutions | $4.76M |
| Deposits Held in Domestic Offices | $19.15M |
Key Performance Ratios
| Return on Assets (ROA) | -1.11% |
| Return on Equity (ROE) | -9.49% |
| Net Interest Margin | 2.97% |
| Efficiency Ratio | 138.22% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.546% |
| Earning Assets to total Assets | 95.41% |
Income and Expense
| Total Interest Income | $349.00k |
| Total Noninterest Income | $2.00k |
| Total Interest Expense | $160.00k |
| Total Noninterest Expense | $264.00k |
| Net Interest Income | $189.00k |
| Pre-tax Net Operating Income | $-74,000 |
| Provision for Credit Losses | $1.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.14M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $305.00k |
| Total Liabilities and Capital | $26.68M |
Securities
| Securities | $10.00k |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $10.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Home Savings Bank, FSB?
$26.68M as of the latest filing.
How much are Home Savings Bank, FSB's total deposits?
$19.15M in total deposits.
Where is Home Savings Bank, FSB located?
Ludlow, KY.
What is the Net Interest Margin?
2.97%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1941.
What is the Return on Assets (ROA)?
-1.11%.
How much are total loans and leases?
$21.07M (latest filing).
What is the total interest income (latest filing)?
$349.00k.