Home Savings Bank

275 West Federal Street
Youngstown, OH 44503


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35385
Date Established 2000
Assets $2.76 billion
Loans $2.21 billion
Deposits $2.18 billion
Capital $0.27 billion

Home Savings Bank is an FDIC insured institution located in Youngstown, OH. It was founded in 2000 and has approximately $2.76 billion in assets. Customers can open an account at one of its 37 branches.

For a more detailed analysis of Home Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Home Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Ohio, Home Savings Bank has a significantly higher percent of Construction and Development 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 52.44
Credit Card Loans 0.00
Consumer Auto Loans 3.93
Small Business Loans 2.18
Construction and Development Loans 10.03
Commercial Real Estate 17.76
Commercial and Industrial Loans 9.90
Farm Loans 0.00

Deposit Rates - October 16, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $1 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $24,999 Learn MoreShow Less
Money Market
0.40% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.05% $500 - Learn MoreShow Less
6 Mo CD
0.10% $500 - Learn MoreShow Less

Fixed IRA
2.20% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1,000 $9,999 Learn MoreShow Less

Loan Rates - October 16, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Home Savings Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.756% 4.750% 0.13 $170 $1,305 Learn More
Ally Bank
NMLS ID: 181005
4.935% 4.875% 0.25 $1,826 $1,324 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.651% 4.625% -0.13 $872 $1,286 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.500% 5.500% 0.00 $0 $1,420 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Home Savings Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Home Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Home Savings Bank Locations

Financial Details

Home Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Home Savings Bank. 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 Bank U.S. Bank Average
3.94% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, Home Savings Bank had $10,790,000 in non-current loans and $802,000 in owned real estate. To cover these potential losses it had $272,817,000 in equity and $21,338,000 in loans loss reserves. That gives it a Texas Ratio of 3.94%.

Return on Equity
Home Savings Bank U.S. Bank Average
12.62% 9.77%

Home Savings Bank has a Return on Equity of 12.62% versus the BestCashCow average of 9.77%. 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.

Home Savings Bank U.S. Bank Average
9.89% 12.31%

Home Savings Bank has a Capitalization of 9.89% versus the BestCashCow average of 12.31. 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 Bank Balance Sheet Analysis

As of June 30, 2018, Home Savings Bank had assets of $2,759,105,000, loans of $2,207,719,000, and deposits of $2,175,735,000. 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

June 30, 2018
Cash & Balances due from depository institutions $0.06 billion
Interest-bearing balances $0.03 billion
Total securities $0.33 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $2.21 billion
Loan loss allowance $0.02 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.03 billion
All other assets $0.11 billion
     Total Assets $2.49 billion
Total deposits $2.18 billion
      Interest-bearing deposits $1.75 billion
      Deposits held in domestic offices $2.18 billion
      % insured (estimated) 85.92%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.30 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $2.49 billion
      Shareholders’ Equity $0.27 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.05 billion
Total Interest Expense $0.01 billion
Net interest income $0.04 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.02 billion

Frequently Asked Questions About Home Savings Bank

Branches and Savings

Is Home Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35385.

Why does Home Savings Bank 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 Bank CD rates not competitive?

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

Is Home Savings Bank a commercial bank?


Where are Home Savings Bank locations?

See branch locations nearby.

Is Home Savings Bank open on Saturdays?

Is Home Savings Bank open on Sundays?

What time does Home Savings Bank open?

What time does Home Savings Bank close?

Are Home Savings Bank ATMs Open 24/7?

Do Home Savings Bank ATMs accept cash deposits?

Can Home Savings Bank customers use other ATMs?

Do Home Savings Bank branches have notaries?

Will Home Savings Bank notarize my document?

What address for Home Savings Bank should I put for incoming ACH transfers?

Will the Home Savings Bank branch print checks?

Do Home Savings Bank checks expire?

Does Home Savings Bank require US citizenship to open account?

Can Home Savings Bank close my account?

Does Home Savings Bank Report to credit bureaus?

Does Home Savings Bank Use Equifax?

What is Home Savings Bank's ACH Routing Number?

What is Home Savings Bank's SWIFT code?


Does Home Savings Bank offer mortgages?

Compare mortgage rates here.

Does Home Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Home Savings Bank offer personal loans?

Compare personal loan rates here.

Does Home Savings Bank offer student loans?

Will Home Savings Bank cash a check?

Will Home Savings Bank redeem a savings bond?

Does Home Savings Bank cash savings bonds?

Will Home Savings Bank cash money orders?

Can Home Savings Bank issue a money order?

Does Home Savings Bank do currency exchange?

Background on The Bank

Who owns Home Savings Bank?

How long has Home Savings Bank been around?

Can Home Savings Bank transfer to other banks?

Does Home Savings Bank have quick pay?

Does Home Savings Bank accept rolled coins?

Will Home Savings Bank accept loose change?

Where is Home Savings Bank headquarters?

Customer Reviews for Home Savings Bank (2)

  • dmontdsign

    April 24, 2018 | Replies 1

    CDs 36 Month Rates

    Bank wouldn't open a cd and told me this is on online only special. I don't see where it says that.

    jmw | Oct 16, 2018

    I called the bank to get the CD specials and was told they only have two. A 13 month at 2.0% and 17 month at 2.25%. I wonder why there are differences??

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