Home Savings Bank, FSB
Home Savings Bank, FSB is an FDIC insured institution headquartered at
202 Elm St, Ludlow, KY 41016.
It was founded in
1941 and has approximately $0 billion in
assets. Customers can open an account at one of its 1 branches.
Deposit Rates - June 2, 2024
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.20% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.30% | $10,000 | Compare |
|
6 Mo CD
|
0.30% | $100,000 | Compare |
|
Special: 9 Mo CD
|
0.40% | $500 | Compare |
|
Special: 10 Mo CD
|
0.40% | $500 | Compare |
|
12 Mo CD
|
0.50% | $10,000 | Compare |
|
12 Mo CD
|
0.50% | $100,000 | Compare |
|
18 Mo CD
|
0.60% | $10,000 | Compare |
|
18 Mo CD
|
0.60% | $100,000 | Compare |
|
Special: 19 Mo CD
|
0.55% | $500 | Compare |
|
Special: 20 Mo CD
|
0.55% | $500 | Compare |
|
24 Mo CD
|
0.70% | $10,000 | Compare |
|
24 Mo CD
|
0.70% | $100,000 | Compare |
|
30 Mo CD
|
0.80% | $10,000 | Compare |
|
30 Mo CD
|
0.80% | $100,000 | Compare |
|
36 Mo CD
|
0.90% | $10,000 | Compare |
|
36 Mo CD
|
0.90% | $100,000 | Compare |
|
48 Mo CD
|
1.00% | $10,000 | Compare |
|
48 Mo CD
|
1.00% | $100,000 | Compare |
|
60 Mo CD
|
1.10% | $10,000 | Compare |
|
60 Mo CD
|
1.10% | $100,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.10% | $2,500 |
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Overview 2024
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 31723 |
| Date Established | 1941 |
| Assets | $ 28.46 million |
| Loans | $ 20.19 million |
| Deposits | $ 19.06 million |
| Capital | $ 3.41 million |
Summary Balance Sheet as of June 30, 2023
| ASSETS | |
| Cash & Balances due from depository institutions | $ 7.45 million |
| Interest-bearing balances | $ 6.99 million |
| Total securities | $ 0.02 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 20.19 million |
| Loan loss allowance | $ 0.15 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 0.74 million |
| Total Assets | $ 25.05 million |
| LIABILITIES | |
| Total deposits | $ 19.06 million |
| Interest-bearing deposits | $ 18.82 million |
| Deposits held in domestic offices | $ 19.06 million |
| % insured (estimated) | 99.41% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 3.50 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.22 millionn |
| Total Liabilities | $ 25.05 million |
| Shareholders’ Equity | $ 3.41 million |
Summary Income Statement as of June 30, 2023
| INCOME AND EXPENSES | |
| Total Interest Income | $ 1.23 million |
| Total Interest Expense | $ 0.45 million |
| Net interest income | $ 0.79 million |
| Provision for loan and lease losses | $ 0.01 million |
| Total non interest income | N.A. |
| Total non interest expense | $ 0.84 million |
| Pre-tax Net Operating Income | N.A. |
Customer Reviews for Home Savings Bank, FSB
Branches
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Your current location is: Columbus, OH
Home Savings Bank, FSB Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL SAVINGSBankKENTUCKY$50,000N.A.0.20%0.92x (National Avg. - 0.22%)$2,500-SCENARIO
Year Rate
0.20%Annual
InterestAnnual Interest
(After Tax)1 50,000 100 70 2 50,100 100 70 3 50,200 100 70 4 50,301 101 70 5 50,401 101 71 6 50,502 101 71 7 50,603 101 71 8 50,704 101 71 9 50,806 102 71 10 50,907 102 71 11 51,009 102 71 12 51,111 102 72 13 51,213 102 72 14 51,316 103 72 15 51,418 103 72 16 51,521 103 72 17 51,624 103 72 18 51,727 103 72 19 51,831 104 73 20 51,935 104 73 TOTAL $2,038 $1,427 - 2LOCAL SAVINGSBank-$50,000N.A.5.30%24.31x (National Avg. - 0.22%)$0-SCENARIO
Year Rate
5.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,650 1,855 2 52,650 2,790 1,953 3 55,440 2,938 2,057 4 58,379 3,094 2,166 5 61,473 3,258 2,281 6 64,731 3,431 2,402 7 68,162 3,613 2,529 8 71,774 3,804 2,663 9 75,578 4,006 2,804 10 79,584 4,218 2,953 11 83,802 4,441 3,109 12 88,243 4,677 3,274 13 92,920 4,925 3,447 14 97,845 5,186 3,630 15 103,031 5,461 3,822 16 108,491 5,750 4,025 17 114,242 6,055 4,238 18 120,296 6,376 4,463 19 126,672 6,714 4,700 20 133,386 7,069 4,949 TOTAL $90,455 $63,319 - 3ONLINE SAVINGSOnline Bank-$50,000N.A.4.50%20.64x (National Avg. - 0.22%)$1-SCENARIO
Year Rate
4.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,250 1,575 2 52,250 2,351 1,646 3 54,601 2,457 1,720 4 57,058 2,568 1,797 5 59,626 2,683 1,878 6 62,309 2,804 1,963 7 65,113 2,930 2,051 8 68,043 3,062 2,143 9 71,105 3,200 2,240 10 74,305 3,344 2,341 11 77,648 3,494 2,446 12 81,143 3,651 2,556 13 84,794 3,816 2,671 14 88,610 3,987 2,791 15 92,597 4,167 2,917 16 96,764 4,354 3,048 17 101,119 4,550 3,185 18 105,669 4,755 3,329 19 110,424 4,969 3,478 20 115,393 5,193 3,635 TOTAL $70,586 $49,410
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