HOME SAVINGS BANK FSB
LUDLOW, KENTUCKY · FDIC Cert #31723
Capital & Safety Analysis
According to FDIC financial data, HOME SAVINGS BANK FSB holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject HOME SAVINGS BANK FSB to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
HOME SAVINGS BANK FSB shows some financial weakness with a Health Score of 39/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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.
Frequently Asked Questions
HOME SAVINGS BANK FSB has a Bank Health Score of D (39/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HOME SAVINGS BANK FSB holds $28M in total assets and $18M in total deposits. It is located in LUDLOW, KENTUCKY (FDIC Certificate #31723).
HOME SAVINGS BANK FSB has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 1.33%, and the return on assets is 0.01%.
Yes. HOME SAVINGS BANK FSB is FDIC-insured (Certificate #31723). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.