The Home Trust & Savings Bank is a bank based in Osage, Iowa, established in 1899, with $295 million in total assets across 1 branch. By Trust Grade it ranks 157th of 226 banks we track in Iowa. Its capital ratio of 9.3% trails most similarly sized banks (34th percentile), versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 1.22% return on assets. No consumer complaints against The Home Trust & Savings Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Home Trust & Savings Bank compares to Iowa peers
How we graded The Home Trust & Savings Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.3% capital ratio)
- Strongly profitable (ROA 1.22%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for The Home Trust & Savings Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 628 Main St, Osage, IA 50461
Are deposits at The Home Trust & Savings Bank insured?
Yes. The Home Trust & Savings Bank is an FDIC-insured bank (FDIC certificate #963). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Home Trust & Savings Bank: frequently asked questions
Is The Home Trust & Savings Bank a good bank?
The Home Trust & Savings Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Strongly profitable (ROA 1.22%).
Is The Home Trust & Savings Bank FDIC-insured?
Yes. The Home Trust & Savings Bank is a FDIC-insured bank (FDIC certificate #963). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Home Trust & Savings Bank?
The Home Trust & Savings Bank holds $295 million in total assets, ranking 157th of 226 banks we track in Iowa. It operates 1 branch.
Does The Home Trust & Savings Bank have CFPB complaints?
No CFPB complaints against The Home Trust & Savings Bank appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
