Home Savings Bank, Fsb is a bank based in Ludlow, Kentucky, established in 1941, with $27 million in total assets across 1 branch. By Trust Grade it ranks 116th of 120 banks we track in Kentucky. Its capital ratio of 11.1% trails most similarly sized banks (40th percentile), versus a Kentucky median of 9.6%. It posted a loss over the most recent period (-1.13% return on assets), a point to watch. No consumer complaints against Home Savings Bank, Fsb appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Home Savings Bank, Fsb compares to Kentucky peers
How we graded Home Savings Bank, Fsb
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.1% capital ratio)
- Unprofitable over the period (ROA -1.13%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Home Savings Bank, Fsb over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 202 Elm St, Ludlow, KY 41016
Are deposits at Home Savings Bank, Fsb insured?
Yes. Home Savings Bank, Fsb is an FDIC-insured bank (FDIC certificate #31723). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Home Savings Bank, Fsb: frequently asked questions
Is Home Savings Bank, Fsb a good bank?
Home Savings Bank, Fsb earns a Bankzia Trust Grade of C (79/100, "Average"), based on a financial-strength score of 79/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Unprofitable over the period (ROA -1.13%).
Is Home Savings Bank, Fsb FDIC-insured?
Yes. Home Savings Bank, Fsb is a FDIC-insured bank (FDIC certificate #31723). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Home Savings Bank, Fsb?
Home Savings Bank, Fsb holds $27 million in total assets, ranking 116th of 120 banks we track in Kentucky. It operates 1 branch.
Does Home Savings Bank, Fsb have CFPB complaints?
No CFPB complaints against Home Savings Bank, Fsb appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
