Home S&la of Carroll Cnty Fa
Norborne, Missouri · FDIC Cert #27898
Home S&la of Carroll Cnty Fa is an FDIC-insured bank (Certificate #27898) with $123M in total assets and $100M in total deposits as of the Q2 2024 Call Report. Headquartered in Norborne, Missouri, the bank maintains a Tier 1 capital ratio of 23.03% (Well-Capitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of A (84/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Home S&la of Carroll Cnty Fa (FDIC cert 27898) is a community bank — $123M in total assets, $100M in deposits, serving the Norborne, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 23.03% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.65% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.19% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Home S&la of Carroll Cnty Fa carries a composite BankHealth grade of A (84/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Home S&la of Carroll Cnty Fa
- Total Assets
- $123M
- Total Deposits
- $100M
- Tier 1 Capital Ratio
- 23.03%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 24.88%
- Return on Assets
- 0.19%
- Headquarters
- Norborne, Missouri
- FDIC Certificate
- #27898
- Health Grade
- A (84/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Home S&la of Carroll Cnty Fa holds a Tier 1 capital ratio of 23.03%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Home S&la of Carroll Cnty Fa has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Home S&la of Carroll Cnty Fa shows strong financial health indicators. With $123M in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Home S&la of Carroll Cnty Fa Compares
Home S&la of Carroll Cnty Fa’s Health Score of 84 is 17 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 23.03% Tier 1 capital ratio is 9.0 points above the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.19% is below the national ROA benchmark of ~1.1%. Among 1235 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Home S&la of Carroll Cnty Fa is 14 points above the portfolio average of 70.
Frequently Asked Questions
Home S&la of Carroll Cnty Fa has a Bank Health Score of A (84/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 23.03%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Home S&la of Carroll Cnty Fa's Tier 1 capital ratio of 23.03% and nonperforming loan ratio of 0.65% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Home S&la of Carroll Cnty Fa is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27898). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Home S&la of Carroll Cnty Fa holds $123M in total assets and $100M in total deposits. It is headquartered in Norborne, Missouri (FDIC Certificate #27898).
Home S&la of Carroll Cnty Fa has a Tier 1 capital ratio of 23.03%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 0.19%.
Yes. Home S&la of Carroll Cnty Fa is FDIC-insured (Certificate #27898). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Home S&la of Carroll Cnty Fa's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.