Hometown Savings Bank
Terre Haute, Indiana · FDIC Cert #17736
Hometown Savings Bank is an FDIC-insured bank (Certificate #17736) with $472M in total assets and $402M in total deposits as of the Q2 2024 Call Report. Headquartered in Terre Haute, Indiana, the bank maintains a Tier 1 capital ratio of 13.89% (Well-Capitalized) and a nonperforming loan ratio of 0.93%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Hometown Savings Bank (FDIC cert 17736) is a community bank — $472M in total assets, $402M in deposits, serving the Terre Haute, Indiana 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 13.89% 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 0.93% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 37.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.21% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Hometown Savings Bank carries a composite BankHealth grade of A (83/100) 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: Hometown Savings Bank
- Total Assets
- $472M
- Total Deposits
- $402M
- Tier 1 Capital Ratio
- 13.89%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.93%
- Liquidity Ratio
- 37.88%
- Return on Assets
- -0.21%
- Headquarters
- Terre Haute, Indiana
- FDIC Certificate
- #17736
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Hometown Savings Bank holds a Tier 1 capital ratio of 13.89%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Hometown Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Hometown Savings Bank shows strong financial health indicators. With $472M in assets and a Health Score of 83/100, 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 Hometown Savings Bank Compares
Hometown Savings Bank’s Health Score of 83 is 13 points above the Indiana state average of 70 across 73 FDIC-insured banks. Its 13.89% Tier 1 capital ratio is 0.1 points below the US banking industry average near 14%. The 0.93% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.21% is below the national ROA benchmark of ~1.1%. Among 1482 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Hometown Savings Bank is 13 points above the portfolio average of 70.
Frequently Asked Questions
Hometown Savings Bank has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.89%, 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. Hometown Savings Bank's Tier 1 capital ratio of 13.89% and nonperforming loan ratio of 0.93% 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 Hometown Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17736). 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.
Hometown Savings Bank holds $472M in total assets and $402M in total deposits. It is headquartered in Terre Haute, Indiana (FDIC Certificate #17736).
Hometown Savings Bank has a Tier 1 capital ratio of 13.89%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.93%, and the return on assets is -0.21%.
Yes. Hometown Savings Bank is FDIC-insured (Certificate #17736). 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%).
Hometown Savings Bank'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.