BlastPoint's Banking Scorecard
Home Savings Bank, FSB
Micro
Specialty: Mortgage
KY
FDIC cert 31723
Designations: ✓ Community bank ✓ Mutual
Ludlow, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Home Savings Bank, FSB faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.14% below tier
- - Net Interest Margin 1.10% below tier
- - Efficiency Ratio 70.22% above tier
- - Delinquency Rate 6.04% above tier
- - Loan-to-Deposit Ratio 35.46% above tier
- - Non-Interest-Bearing Deposit Share 20.84% below tier
- - Nonperforming Asset Ratio 4.82% above tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.7M
-3.9% YoY
+0.3% QoQ
|
-$190.8M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$21.1M
-4.6% YoY
-0.4% QoQ
|
-$118.1M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$19.2M
+4.3% YoY
+1.4% QoQ
|
-$164.5M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-1.05%
-461.0% YoY
-1.6% QoQ
|
-2.14% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.76%
-4.4% YoY
+2.3% QoQ
|
-1.10% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
137.95%
+29.8% YoY
+0.1% QoQ
|
+70.22% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
6.68%
+263.3% YoY
-0.6% QoQ
|
+6.04% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
109.99%
-8.5% YoY
-1.7% QoQ
|
+35.46% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.56%
-12.6% YoY
-31.3% QoQ
|
-20.84% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
5.27%
+260.6% YoY
-1.3% QoQ
|
+4.82% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
-8.2% YoY
+6.8% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (8)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-1.05%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.76%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
137.95%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.68%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
109.99%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.56%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.27%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
9
9th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
7
7th pctile
Total Loans
Current: $21.1M · Tier avg: $139.2M
3
3th pctile
Loan-to-Deposit Ratio
Current: 109.99% · Tier avg: 74.53%
3
3th pctile
Return on Assets
Current: -1.05% · Tier avg: 1.08%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.56% · Tier avg: 22.39%
2
2th pctile
Total Deposits
Current: $19.2M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $26.7M · Tier avg: $217.5M
0
0th pctile
Efficiency Ratio
Current: 137.95% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 6.68% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.27% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.27% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.68% · Tier avg: 0.64%
0
0th pctile
Efficiency Ratio
Current: 137.95% · Tier avg: 67.73%
2
2th pctile
Total Assets
Current: $26.7M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $19.2M · Tier avg: $183.7M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.56% · Tier avg: 22.39%
3
3th pctile
Return on Assets
Current: -1.05% · Tier avg: 1.08%
3
3th pctile
Loan-to-Deposit Ratio
Current: 109.99% · Tier avg: 74.53%
7
7th pctile
Total Loans
Current: $21.1M · Tier avg: $139.2M
9
9th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%