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Home Savings And Loan Association Of Carroll County, F.A.
Norborne, MO · FDIC Certificate #27898 · Chartered 01/0
Total assets
$131.40M
Total deposits
$111.61M
Total equity
$19.30M
Net loans
$88.11M
Branches (offices)
2
Net income (YTD)
$633.00K
Rank: #3,454 of 4,213 U.S. banks by assets · #158 of 190 in Missouri. Assets changed 3.3% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 6.68% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 14.69% |
| Tier 1 leverage ratio | 14.53% |
| Uninsured deposits (share of deposits) | 11.4% |
| Noncurrent loans (share of loans) | 0.73% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 78.9% |
| Real estate loans (share of loans) | 85.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $75.60M | 85.8% | |
| Commercial & industrial | $4.38M | 5.0% | |
| Consumer / individual | $3.86M | 4.4% | |
| Construction & development | $811.00K | 0.9% | |
| Agricultural | $5.33M | 6.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $113.89M | $95.63M | $372.00K | $16.47M |
| Jun 2023 | $119.92M | $90.33M | $82.00K | $16.15M |
| Jun 2024 | $123.42M | $99.80M | $119.00K | $16.71M |
| Jun 2025 | $127.17M | $106.48M | $406.00K | $17.81M |
| Jun 2026 | $131.40M | $111.61M | $633.00K | $19.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $111.61M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $111.61M.
Similar-sized banks
The Bendena State Bank ($131.51M) · Spencer County Bank ($131.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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