FDIC Cert #26798 · Salt Lake City, Utah · Est. 1979

Home Savings Bank - FDIC Bank Health Profile

A community-scale look at Home Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$113M
Total assets
A
Health grade · Excellent
0.87%
Return on assets
15.6%
Tier 1 capital

Data updated July 2026

The verdict

Home Savings Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.59% Tier 1, 0.87% ROA, 70% efficiency ratio.

#3,643
largest of 4,313 FDIC banks by assets
15th
percentile by asset size, nationally
15.59%
Tier 1 ratio - above the 10% well-capitalized line
34th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 26798 · UT A · 82/100

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

  • GRADE-A A (82/100)
  • MID-PACK #1822/4307
  • PHOTO-FINISH Safra National Bank… · NY
  • TIER1-WELL 15.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: Safra National Bank of New York, NY (±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 Bank

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

Morgan Stanley Bank,… · UT ·…100/100First Federal Commun… · TX ·…82/100Home Savings Bank · UT · thi…82/100Safra National Bank… · NY · …82/100United Texas Bank · TX · near82/100Walpole Co-operative… · MA ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Home Savings Bank · July 2026

What Home Savings Bank's Call Report plate shows

Home Savings Bank (FDIC Cert #26798) 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 #1,822 of 4,307. Tier 1 capital prints at 15.59%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $113M, 3,643rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Safra National Bank of New York (NY), 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 Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Home Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Home Savings Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

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

How Home Savings Bank'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 Bank's composite health score
Tier 1 Capital Ratio (15.59%) 40/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (69.68%) 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

$113M

Total balance-sheet footings

Total Deposits

$90M

Customer-funded liabilities

Net Loans

$96M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.19% 15.59% 16.99%
Basel III capital ratios - Home Savings Bank

Where Home Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Home Savings Bank's score of 82/100 falls in the highlighted band.

Home Savings Bank: 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 Bank 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 Bank'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 Bank's $113M falls in the highlighted band.

Safety ratios for Home Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

15.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.59%
Texas Ratio
0.00%
Equity Capital
$17M

What these ratios mean →

Profitability metrics: Home Savings Bank

Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
5.71%
Efficiency Ratio
69.68%

What these mean →

Income & expense at Home Savings Bank

$8M
Interest Income
$49K
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 Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Home Savings Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($113M here), outside Utah so the neighborhood is not state containment.

Neighbors Bank $113M · MO Security State Bank $113M · IA Peoples Bank of Graceville $113M · FL Home Savings Bank $113M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Home Savings Bank (FDIC Cert #26798) - 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 Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%