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

Headquarters

210 E Second Street
Norborne, MO 64668
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Home Savings and Loan Association of Carroll County, F.A. is an FDIC insured institution located in Norborne, MO. It was founded in 1919 and has approximately $0.09 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 27898
Date Established 1919
Assets $ 87.43 million
Loans $ 56.64 million
Deposits $ 69.61 million
Capital $ 17.74 million
 

For a more detailed analysis of Home Savings and Loan Association of Carroll County, F.A.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Home Savings and Loan Association of Carroll County, F.A.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




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Note to Home Savings and Loan Association of Carroll County, F.A.
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Branches

Home Savings and Loan Association of Carroll County, F.A. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


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


Financial Details

Home Savings and Loan Association of Carroll County, F.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Home Savings and Loan Association of Carroll County, F.A.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Home Savings and Loan Association of Carroll County, F.A. U.S. Bank Average
5.35% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Home Savings and Loan Association of Carroll County, F.A. had $1,002,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,740,000 in equity and $992,000 in loans loss reserves. That gives it a Texas Ratio of 5.35%.

Return on Equity
Home Savings and Loan Association of Carroll County, F.A. U.S. Bank Average
1.83% 7.80%

Home Savings and Loan Association of Carroll County, F.A. has a Return on Equity of 1.83% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Home Savings and Loan Association of Carroll County, F.A. U.S. Bank Average
20.29% 12.68%

Home Savings and Loan Association of Carroll County, F.A. has a Capitalization of 20.29% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Home Savings and Loan Association of Carroll County, F.A. Balance Sheet Analysis

As of March 31, 2020, Home Savings and Loan Association of Carroll County, F.A. had assets of $87,434,000, loans of $56,639,000, and deposits of $69,607,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 21.07 million
Interest-bearing balances $ 20.24 million
Total securities $ 6.36 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 56.64 million
Loan loss allowance $ 0.99 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 $ 2.44 million
     Total Assets $ 69.69 million
LIABILITIES
Total deposits $ 69.61 million
      Interest-bearing deposits $ 68.97 million
      Deposits held in domestic offices $ 69.61 million
      % insured (estimated) 97.63%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.09 million
      Total Liabilities $ 69.69 million
      Shareholders’ Equity $ 17.74 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.79 million
Total Interest Expense $ 0.25 million
Net interest income $ 0.55 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.04 million
Total non interest expense $ 0.53 million
Pre-tax Net Operating Income $ 0.05 million

Bank Loan Profile?

The top three loan types in Home Savings and Loan Association of Carroll County, F.A.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Missouri, Home Savings and Loan Association of Carroll County, F.A. has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 71.94
Multifamily
Mortgages
0.28
Credit Card Loans 0.00
Consumer Auto Loans 2.55
Small Business Loans 0.00
Construction and Development Loans 3.08
Commercial Real Estate 7.28
Commercial and Industrial Loans 1.19
Farm Loans 1.90

Frequently Asked Questions About Home Savings And Loan Association Of Carroll County, F.a.

Branches and Savings

Is Home Savings And Loan Association Of Carroll County, F.a. FDIC insured?

Yes. It is covered under FDIC Certificate #27898.

Why does Home Savings And Loan Association Of Carroll County, F.a. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Home Savings And Loan Association Of Carroll County, F.a. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Home Savings And Loan Association Of Carroll County, F.a. a commercial bank?

Yes

Where are Home Savings And Loan Association Of Carroll County, F.a. locations?

See branch locations nearby.

Is Home Savings And Loan Association Of Carroll County, F.a. open on Saturdays?

Is Home Savings And Loan Association Of Carroll County, F.a. open on Sundays?

What time does Home Savings And Loan Association Of Carroll County, F.a. open?

What time does Home Savings And Loan Association Of Carroll County, F.a. close?

Are Home Savings And Loan Association Of Carroll County, F.a. ATMs Open 24/7?

Do Home Savings And Loan Association Of Carroll County, F.a. ATMs accept cash deposits?

Can Home Savings And Loan Association Of Carroll County, F.a. customers use other ATMs?

Do Home Savings And Loan Association Of Carroll County, F.a. branches have notaries?

Will Home Savings And Loan Association Of Carroll County, F.a. notarize my document?

What address for Home Savings And Loan Association Of Carroll County, F.a. should I put for incoming ACH transfers?

Will the Home Savings And Loan Association Of Carroll County, F.a. branch print checks?

Do Home Savings And Loan Association Of Carroll County, F.a. checks expire?

Does Home Savings And Loan Association Of Carroll County, F.a. require US citizenship to open account?

Can Home Savings And Loan Association Of Carroll County, F.a. close my account?

Does Home Savings And Loan Association Of Carroll County, F.a. Report to credit bureaus?

Does Home Savings And Loan Association Of Carroll County, F.a. Use Equifax?

What is Home Savings And Loan Association Of Carroll County, F.a.'s ACH Routing Number?

What is Home Savings And Loan Association Of Carroll County, F.a.'s SWIFT code?

Products

Does Home Savings And Loan Association Of Carroll County, F.a. offer mortgages?

Compare mortgage rates here.

Does Home Savings And Loan Association Of Carroll County, F.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Home Savings And Loan Association Of Carroll County, F.a. offer personal loans?

Compare personal loan rates here.

Does Home Savings And Loan Association Of Carroll County, F.a. offer student loans?

Will Home Savings And Loan Association Of Carroll County, F.a. cash a check?

Will Home Savings And Loan Association Of Carroll County, F.a. redeem a savings bond?

Does Home Savings And Loan Association Of Carroll County, F.a. cash savings bonds?

Will Home Savings And Loan Association Of Carroll County, F.a. cash money orders?

Can Home Savings And Loan Association Of Carroll County, F.a. issue a money order?

Does Home Savings And Loan Association Of Carroll County, F.a. do currency exchange?

Background on The Bank

Who owns Home Savings And Loan Association Of Carroll County, F.a.?

How long has Home Savings And Loan Association Of Carroll County, F.a. been around?

Can Home Savings And Loan Association Of Carroll County, F.a. transfer to other banks?

Does Home Savings And Loan Association Of Carroll County, F.a. have quick pay?

Does Home Savings And Loan Association Of Carroll County, F.a. accept rolled coins?

Will Home Savings And Loan Association Of Carroll County, F.a. accept loose change?

Where is Home Savings And Loan Association Of Carroll County, F.a. headquarters?

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