HOME BANK SB

MARTINSVILLE, IN · Supervised by OTS

Est. 1890FDIC #29,881

Outstanding Same

Current rating · Exam: January 2009

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.61%

Institution Profile

FDIC BankFind

Website

www.homebanksb.com

Address

59 W Washington St, MARTINSVILLE, IN

County

Morgan County

Established

January 1, 1890

Total Assets

$432M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 23, 2009

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$432M

Total Deposits

$369M

Net Loans

$257M

Net Income

$659K

ROA

0.61%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.91%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.61%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.31%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$365M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	247	67.61%	9.31%
2023	214	72.9%	13.08%
2022	317	70.03%	8.52%
2021	530	74.91%	9.25%
2020	734	72.21%	8.04%
2019	492	74.59%	9.15%
2018	482	70.95%	11.83%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2009	Outstanding	Small Bank
Dec 2003	Outstanding	Small Bank
Mar 1998	Outstanding	Small Bank

3 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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