# HOME SAVINGS BANK
YOUNGSTOWN, OH · FDIC certificate 35385 · asset band $1-10B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $2.86B | |
| Deposits | $2.35B | |
| Loans and leases | $2.37B | |
| Total equity | $299.0M | |
| Loans / deposits | 100.09% (p82 of band) | 89.69% |
| Liquid assets / assets | 12.42% (p13 of band) | |
| Uninsured deposits / deposits | 17.82% (p24 of band) | 28.16% |
| Brokered deposits | 6.72% | |
| Wholesale funding | 13.41% (p77 of band) | |
| FHLB advances / assets | 6.69% | |
| Tier 1 leverage | 10.25% (p47 of band) | 10.32% |
| Unrealized securities loss / equity | 1.54% (p75 of band) | 0.58% |
| AOCI / equity | 2.67% (p69 of band) | |
| ROA (annualized) | 1.33% (p60 of band) | 1.20% |
| Net interest margin | 3.27% (p28 of band) | 3.62% |
| Efficiency ratio | 57.78% (p36 of band) | |
| Noncurrent loans | 0.54% (p56 of band) | 0.48% |
| Net charge-offs (annualized) | 0.05% (p54 of band) | |
| Reserve coverage of noncurrent | 149.28% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 80.84% (p85 of band) | |
| Auto loans | $80.0M (3.38% of loans; DQ 0.86%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 3.7% | |
| Employees | 462 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 | loans exceed deposits, wholesale funding >15% | losing money, expense ratio p90, capital falling |
| 2012-03 | 7 | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 | capital falling | uninsured deposits leaving |
| 2012-09 | 5 |  | losing money, expense ratio p90 |
| 2012-12 | 4 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2013-03 | 3 | liquid assets <10% | wholesale funding >15%, reserve under noncurrent |
| 2013-06 | 1 |  | capital falling, liquid assets <10% |
| 2013-09 | 2 | wholesale funding >15% |  |
| 2013-12 | 1 |  | wholesale funding >15% |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | wholesale funding >15% |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 1 |  | wholesale funding >15% |
| 2015-09 | 1 | capital falling | loans exceed deposits |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | loans exceed deposits | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | loans-to-lenders >50% equity |  |
| 2016-12 | 2 | wholesale funding >15%, capital falling | loans exceed deposits, loans-to-lenders >50% equity |
| 2017-03 | 3 | expense ratio p90, charge-offs p90 | capital falling |
| 2017-06 | 2 | loans exceed deposits | expense ratio p90, charge-offs p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | brokered >10% | loans exceed deposits |
| 2018-12 | 3 | loans exceed deposits | capital falling |
| 2019-03 | 1 |  | brokered >10%, loans exceed deposits |
| 2019-06 | 1 | loans exceed deposits | wholesale funding >15% |
| 2019-09 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2019-12 | 1 |  | wholesale funding >15%, deposits shrinking |

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

- 2026-03-20 [Former NKY bank manager accused of stealing from customers; faces over 400 years in prison - WKRC](https://news.google.com/rss/articles/CBMiggNBVV95cUxQYjRUcWhQWkNmVUlIQjBqMTU2TXg1V2VXUXRHOENJdnVWQjZaaVpUdVg2Z1Fzdm9FUzB1SXFULWE5bmFiR21DcVZ1N1lPcXdWWFozTWh1VnFwUk41dmVLRTlaQ2I4VWo0enEyM1RRRF9fVGYxRWpkTkhsS3NSV2hlRE1heFZqLXQ5UDBXN0c4VWtaSXZDM3BVTXRlUTBsNnNJOVZDV3ZiLXJkTHZmQ1ZURkxfX0Y1RDZjYTZWbHZCbVpiV1JUcURiODdHNmZxTnhkZWRETXYzU2tBQTVRS3pNc2tRYWs4dXFsZlpnY0FGdklEd085WTRtdm9OYmRnbnhfRG9kXzBQbFJkd3dsV0Utci1jeVFpNWh5TC1ja0NtU2ZFX2dCWXcwdVJSRy1BY3c3ZVIyTlYwaGxHYmpndkxYTV85aEpZSjlmbUNBM3doeUNZSGRWdVpaaW1RZzd1azJfQ042WnI1Y1BHTVo0YWJWQzE3WFU0T2h0OUNaaXkwUU5VQQ?oc=5) · WKRC
- 2026-03-24 [Former Bromley council member, Ludlow bank manager indicted in federal court - LINK nky](https://news.google.com/rss/articles/CBMisgFBVV95cUxQanpxSUxPa1BpLUV0Q05HYmpxYS1aTGxxUnJ4MEptdGlqRFBiTW14UHdGOTR4NnlxSmlDMzgwTmNadVRGWFZNUExnMkFySTFSNFVLVHBiYldGRE10aFdpMXlMMFVUdXNTaU9mZ21WaVp0Qk5jUmlIZC1PclhMNk9mNG9yWUN2T1ZCbmd1dXRqZ0hfRERsS1FmcjBrV013VWRYUHFreEhIMjlBUmx3VkNzLWNB?oc=5) · LINK nky
- 2021-09-30 [Dupaco Community Credit Union and Home Savings Bank Sign Agreement for Strategic Acquisition - Business Wire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPUjYyU2FnTXlnSEw3Tm9JY0FzRzdZOEVFVDFtVEJFNENEVjdmdHRYQkl4R1pBN0tXV0xKUUdCMG9wYmljR0Z5M1d5bmU4emhKTmdidWF4NjM0NHBVMUtmVXJkSGs5b0Y3Q25UTUFSd282MjVfYmtWaGFiMm41Vm95d0VHZXEtQ1BjVGU2M0pwYjdZWGtSeTdpQmxnTGluSVJpRWVDT18wNDlfV3FCNzJlZUtZVFJrOGRoWkNDZnVxOTZXcTkwYU9pTHhDelh2bDhPUUFsdk1kUURpcUV1RnlTemlSYw?oc=5) · Business Wire
- 2019-09-09 [Home Savings CEO explains what bank merger will mean for Valley customers - WKBN.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPNDRnQlBPdnREN3p6Y3lSR05wdTE3VEo2OW9mcEl4LVg1aWpyZzhFeHEtRm03SzloaHU2UFhfQ3NodTllSWNweFVhYl93SkhLV1N5VkRXcUQ3d2c1SUExVHdhSU5rdFVrZGI1eVNjSS1yMTZqTHpxYzVBckp4ZkpkN3lzQ05URmFoNFFIVkRqYmJSN3VBLV9SaW5pZjltcTREd2RSVm8tb3hkU0ZvdEUxZ9IBtgFBVV95cUxQV0M3SURwWmZVWVdSZWt0VXhENlg4d29zZndDMEtCaVBQNS10U2xGWk1McDFmT2JIMUJ2Ull5ZjZUSWhxeUNiWWlWQjFxdHRHYlQwR0hWTGQ0eEt6aDZ3d191dGJidmNLTDRQYkhHVEtJNmtaZ0oxRkZCVWtsd1VpeE5KWXQ5NGZQRjFqSm15TlI1VHFtVUIzVHl0ZXAwYmNGQi03dFFaZGoydjB4dzhiV2ZQQUZJUQ?oc=5) · WKBN.com
- 2019-09-10 [Home Savings merging with First Federal Bank of the Midwest - - Tribune Chronicle](https://news.google.com/rss/articles/CBMirwFBVV95cUxOTE9kZnhocy02XzN2cFpUMjRsbXZTZWMxYmZUSkNxVXNVYm9vLXMtOFVsNjg0YVAwV1gyVFozbDhzVkNQVjFNaG5YNW53ZmQ0SDdaRVhCQ1Q4RzhHbkpMWWxnamlhcGhPazhNMk1sQkNOSnFERFdDaWVYY2FiTUMzOHAxanNEMzdjOU8wY3ZhajMxeklpUEdhYU1tX0lmSW1wakcxSnhXQ3VITGd2V1dV?oc=5) · Tribune Chronicle
- 2026-03-25 [Former Tri-State bank manager, ex-NKY council member faces multiple fraud charges - WKRC](https://news.google.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?oc=5) · WKRC
- 2020-11-16 [Stoughton Home Savings to close by Nov. 25 - stoughtonnews.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPU2lwV1VVOGRkdjdpNThGSURIWGI3aW1kS3Mtc1RsalNSQkZPYk1vazFHb1R5bG5rbXROakJtNG8wSGtmLUxMRWRQZXF4M3gwSGc5dkNRaFNFNFlEVzZTYk5iVUQ2ZzFWc1BRTGFrRzl6WG96MGNxYVpHZnNMQ3RBUXZmeHMyWWpWd1BOMGszVkpfOG9FNFhGUUpyUFB0Ylh0djFOQkxGT2xzVFFTbUdKQzNSUTVNbVdJRTNGM3c2bUUyR0wyVlhsbGtyYWlkb0hS?oc=5) · stoughtonnews.com
- 2021-10-04 [Iowa credit union to buy Wisconsin bank in 11th such deal of 2021 - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQQWtxY3BDNGlFRE8weEp6QmVJVlNHN3FnUWF6RHBRWkZrdGw0Y0JsNzJSbzRUSDdWZlNScktqaXdzRjhyMGNyVGJIdGtDUmt1WS1ZbXZFVlVIcVRpcXpYOUlrVVYxSTRRdkVWX1lBUVFQXzlkdGVmaE15NGlTbFNNVUZIaHZDX0pFaWR6dmhheS15WHNoRVg0ZnVqWTZKdEhlaXA2SU12enMtZw?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35385 (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/57.json (key "35385", 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