Bank · FDIC insured
Home Savings Bank
A $108.8M bank headquartered in Salt Lake City, UT, with 1 branch in Utah. Best rates: CDs 4.35% and savings 1.00% APY.
Home Savings Bank Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#21 of 43 in Salt Lake City, UT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Home Savings Bank
Home Savings Bank was originally established in 1961 to finance furniture sales contracts for South East Furniture Company.
The institution transitioned to an industrial loan corporation in 1979, expanded into real estate lending across Utah in 1982, and became an FDIC member in 1986.
- Headquarters
- 3539 S Main St, Salt Lake City, UT 84115
- FDIC certificate
- 26798 ↗
Branches
1 branch in Utah
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Utah
1 branch
- Home Savings BankMain office3539 S Main St, Salt Lake City, UT 84115Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.73% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.89% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $122 | $81 | — |
- CapitalLeverage ratio15.73%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.89%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$122Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Home Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.