FDIC Cert #27898 · Norborne, Missouri · Est. 1919

Home Savings and Loan Association of Carroll County, F.A. - FDIC Bank Health Profile

A community-scale look at Home Savings and Loan Association of Carroll County, F.A.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$130M
Total assets
A
Health grade · Excellent
0.67%
Return on assets
23.8%
Tier 1 capital

Data updated July 2026

The verdict

Home Savings and Loan Association of Carroll County, F.A. earns a PlainBankData health grade of A (82/100), with well-capitalized at 23.78% Tier 1, 0.67% ROA, 69% efficiency ratio.

#3,517
largest of 4,313 FDIC banks by assets
18th
percentile by asset size, nationally
23.78%
Tier 1 ratio - above the 10% well-capitalized line
23rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 27898 · MO A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1816/4307
  • PHOTO-FINISH West View Savings Bank · PA
  • TIER1-WELL 23.8% Tier 1
  • TEXAS-CLEAN 4.6% Texas
  • ROA-THIN 0.67% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: West View Savings Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Home Savings and Loan Association of…

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Federal Commun… · TX ·…82/100Home Savings and Loa… · MO ·…82/100The Covington Saving… · OH ·…82/100The Harrison Buildin… · OH ·…82/100West View Savings Bank · PA …82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Home Savings and Loan Association of… · July 2026

Call Report read for Home Savings and Loan Association of… in a high-failure state

Home Savings and Loan Association of Carroll County, F.A. (FDIC Cert #27898) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,816 of 4,307. Tier 1 capital prints at 23.78%, clearing the 10% well-capitalized line. The Texas Ratio is 4.61%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.67%. Balance-sheet scale is $130M, 3,517th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is West View Savings Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Home Savings and Loan Association of…

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Home Savings and Loan Association of Carroll County, F.A. sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Home Savings and Loan Association of Carroll County, F.A.'s current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Home Savings and Loan Association of Carroll County, F.A.'s 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
Home Savings and Loan Association of Carroll County, F.A.'s composite health score
Tier 1 Capital Ratio (23.78%) 40/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (4.61%) 20/20
Efficiency Ratio (69.11%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$130M

Total balance-sheet footings

Total Deposits

$111M

Customer-funded liabilities

Net Loans

$87M

Outstanding loan book

Net Income

$856K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 22.38% 23.78% 25.18%
Basel III capital ratios - Home Savings and Loan Association of Carroll County, F.A.

Where Home Savings and Loan Association of Carroll County, F.A. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Home Savings and Loan Association of Carroll County, F.A.'s score of 82/100 falls in the highlighted band.

Home Savings and Loan Association of Carroll County, F.A.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 42% higher than 58% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Home Savings and Loan Association of… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Home Savings and Loan Association of Carroll County, F.A.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Home Savings and Loan Association of Carroll County, F.A.'s $130M falls in the highlighted band.

Capital & credit buffers at Home Savings and Loan Association of…

Tier 1 capital ratio
Well-capitalized 10%

23.78% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
23.78%
Texas Ratio
4.61%
Equity Capital
$19M

What these ratios mean →

Profitability metrics: Home Savings and Loan Association of…

Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
4.78%
Efficiency Ratio
69.11%

What these mean →

Income & expense at Home Savings and Loan Association of…

$7M
Interest Income
$210K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Home Savings and Loan Association of Carroll County, F.A. reports a Texas Ratio of 4.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Home Savings and Loan Association of Carroll County, F.A. on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($130M here), outside Missouri so the neighborhood is not state containment.

Rushville State Bank $130M · IL First State Bank of the South, Inc. $130M · AL Citizens Bank & Trust, Inc. $130M · GA Agility Bank $130M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Home Savings and Loan Association of Carroll County, F.A. (FDIC Cert #27898) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Home Savings and Loan Association of Carroll County, F.A. Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%