# HOME SAVINGS BANK
CHANUTE, KS · FDIC certificate 28246 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $115.1M | |
| Deposits | $90.5M | |
| Loans and leases | $72.8M | |
| Total equity | $19.6M | |
| Loans / deposits | 79.26% (p61 of band) | 73.59% |
| Liquid assets / assets | 31.24% (p47 of band) | |
| Uninsured deposits / deposits | 27.87% (p77 of band) | 19.81% |
| Brokered deposits | 3.61% | |
| Wholesale funding | 7.08% (p79 of band) | |
| FHLB advances / assets | 3.48% | |
| Tier 1 leverage | 16.73% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -3.47% (p63 of band) | -6.57% |
| AOCI / equity | -1.24% (p22 of band) | |
| ROA (annualized) | 1.00% (p39 of band) | 1.17% |
| Net interest margin | 4.07% (p58 of band) | 3.93% |
| Efficiency ratio | 67.33% (p54 of band) | |
| Noncurrent loans | 0.12% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1229.76% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 8.75% (p36 of band) | |
| Auto loans | $1.5M (2.12% of loans; DQ 0.84%, NCO 0.00%) | |
| Loans to nondepository financials | $447,000 (2% of equity) (p97 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | expense ratio p90 |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 4 | securities losses >30% of equity |  |
| 2012-03 | 2 | reserve under noncurrent | expense ratio p90, losing money, securities losses >30% of equity |
| 2012-06 | 1 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2012-09 | 2 | expense ratio p90 |  |
| 2012-12 | 1 | capital falling | charge-offs p90, expense ratio p90 |
| 2013-03 | 3 | losing money, expense ratio p90 |  |
| 2013-06 | 2 |  | losing money |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 3 | reserve under noncurrent, assets shrinking |  |
| 2014-03 | 2 | deposits shrinking | expense ratio p90, reserve under noncurrent |
| 2014-06 | 1 |  | assets shrinking |
| 2014-09 | 2 | capital falling, losing money | deposits shrinking |
| 2014-12 | 2 |  |  |
| 2015-03 | 0 |  | capital falling, losing money |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | assets shrinking |  |
| 2016-03 | 0 |  | assets shrinking |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2024-06 | 2 | wholesale funding >15% |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | charge-offs p90 |  |
| 2025-03 | 2 |  | charge-offs p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | wholesale funding >15% |
| 2026-03 | 1 | capital falling | brokered >10% |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-04-22 [Home Savings Bank and First Federal Bank merging, becoming Premier Bank - WKBN.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZFh6ZDM0alJEMEZsbTFNM182SWtCYy1ZeFRGM2ZEbW9MLTd3aGUyVjV0RWo5a2NLY1VEaWNUUnoxVE84c0ZJWDEwM2J4N3Y2TU9tS1RsSTNzSXJ2clpTeHlxT1ZIWUtRSFY3UzNKSzI0Y3FqVWw3WUN5Y2pCeVgxNU1PenhGcXlJZ0xwMjhGcWlQdFAzeXc4WW9HdzdVVExVQ1k0ZE90dk1vdGdy0gGyAUFVX3lxTE1LQ1kwRlRXeE5TOVRfQ3dwZUZMMDVLdzczNEJrVzZySnljc1FVRHU3NWxGV2xTajVaNlNnOHhpdXNaaE5BWk1HTUdtLXhGUlRPRGl3aVltSXhnMVVYak5JRWVTYXl3VHB2Z1FVZXdxdXhtRmtkM2dxZ2FaU2RERzRUT1p6THdodXFraUxQb3dwbXY4NENBQnpsY3dsMWsycXZwWk5qSzZLTW16dFNibXliOEE?oc=5) · WKBN.com
- 2020-04-02 [Best Bank CD Rates for September 2026: Lock In 4.50% Today - Investopedia](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBqaGNPNHhIeDdXMTZ3SkRkQmpVc0hZVmRQTl8zZFJhTmE0Mzd3akhrTDdTYWxVR2xrNC1sVGpNS1hkNGpQTDg3WTVSX1Q3bEo3WGdGMGNrbW1QRVdkT3dpX251NjA1QQ?oc=5) · Investopedia
- 2020-04-21 [JobsOhio commits up to $50M for small business clients at these Ohio banks - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNVTRkd1oxSkhjeWdoVzR1NGtManJLMnpHMk5NQ2d0TFFNMzhjZzZSVWFPd1VYYWJQb1hZRlNVc3JoQUlUUGszRFhvNWFNNWVOQ0JpQU1ubGE3QkUwQlI2M0UxSWFnMHJtLWE5QjUtNEdzTlFkdE5iVFI2el9Jc041d05adTRfTUp3c21UVFJBMjR0VW5odkp6bktJUVNjNFRJak9Z?oc=5) · The Business Journals
- 2016-01-27 [Springfield branch manager admits to embezzling funds - KOMU 8](https://news.google.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?oc=5) · KOMU 8
- 2020-06-02 [New logo to replace Home Savings in Youngstown skyline revealed - WKBN.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNanRfZTZnbzNneFZvSGYtZnY0TVRUcFFrc2ZUSWVEQ3BBVGpxQ2hVR0szX0ppY2JHMjBaZC1ObGFfVFlvY2M0eDB6NC1CeXhLMzV6UENQSUE1d2dNUXVocGxPT3hVSk5Sdy1OeUhpX2E0NF9iOFUwT2ItOTQ0WklpaUJ3MGt5WGVRVngyZ2gtNTFuTk9rNUd2cVdndlVVRjhuV2lF0gGoAUFVX3lxTE13dlIzUXZVMmE1aWlJMEk1QVdSNmliOFVQZkp0eGdxVVJjcUplVXRaSDExUmVFbFRPZmxIVEt4MVVXdVZEY1pFdWFjTjRVMHU1YUtQU1NUNEptN0VZSW1KcjNSSEdQOENsZnMxNmdDY2Jha1MtdElrRjFjd01XVURWRlZFb0Q5N09vR2toby1obVZ6c2tQeXpVSzZqT01pVlNuWlhqa3FqbQ?oc=5) · WKBN.com
- 2018-07-03 [Charles Dalton Vargo's Obituary, Visitation & Funeral Information - Countryside Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE1ST05FUGxSUk9SSk9vbkdGUmEwUHh2V3BqZlFOTHc0RFlzUnM3NHdyVEhNcDZGMk9INzdFUDBTb0I5M2NSU2lrYWgxRFNXbG1xMTRScUFIRG13Z2duT2ZCR1V0YWpYVWoyX1kwdEZLODBmYVE?oc=5) · Countryside Funeral Home
- 2026-09-03 [William Elwood Oakes Obituary (2026) - Independence, KS - Webb & Rodrick Chapel & Crematory - Independence - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWVNaWm0zZHhRTWdIeFQ3a3pkeXFFRm5JOWtYd25TbzlSekoxNGNuZ1J2VmdXS25oSzA0dUJqT2NIdmFGbnV4ZjUyUUpMd29qMXBpMFBSdXRhMTRoNDh5Y1BQcmRyS3M4akJoRWxYTDlKazhkcGpWVVhpUDVYV1NpOEVn?oc=5) · legacy.com
- 2020-02-29 [Best 1-Year CD Rates for September 2026: 4.36% APY Still Available - Investopedia](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBWdHhPbWJzNDJGd2pXNGZ2Y0wwSWlibkFqU1BJV21xNk04a1RKdlNFUXdCa3gzUGVoUlJHaWo4ZXdjeUxVdGpGSC1tcXo4VHNkekVuSDd5LTZOMHJIdG1QY0FxWjdqXzBa?oc=5) · Investopedia

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28246 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "28246", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide