What are the current interest rates at Home Bank SB?

Current rates for Home Bank SB include: 12-Month CD: 1.00%, 24-Month CD: 0.80%, 36-Month CD: 1.00%, 48-Month CD: 1.26%, 60-Month CD: 1.36%

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Home Bank SB Rates & Review October 2026

Q: How many branches does Home Bank SB operate?

Home Bank SB currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Home Bank SB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Home Bank SB provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Home Bank SB's top rate as of October 11, 2026 is 3.85% APY on its 59-Months 59-Month Special CD, according to rates verified by MonitorBankRates. Other Home Bank SB CD rates include 13-Months 13-Month Special CD at 3.75%, 9-Months 9-Month Special CD at 3.49%, and 13-Month 13-Month CD SPECIAL at 3.43%. MonitorBankRates evaluates the financial stability of Home Bank SB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.61%. Rates last updated and verified on 10/11/2026.

Home Bank SB money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Home Bank SB? Share your experience about Home Bank SB by leaving a review below, or read customer reviews before you decide to use Home Bank SB.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.61%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Home Bank SB

59 W Washington St
Martinsville, IN 46151

https://www.homebanksb.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Home Bank SB CD Rates

Product	Rate	APY	Term
59 Month Special CD	3.80%	3.85%	59 Months
No additional details. Last Updated 10/11/2026 Rate History 2 changes since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Oct 7, 20263.85%▲ from 3.70% Oct 3, 20263.70%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
13 Month Special CD	3.70%	3.75%	13 Months
No additional details. Last Updated 10/11/2026 Rate History 2 changes since Sep 14, 2026 · 3.29% → 3.75% ▲ 0.46 pts · high 3.75% / low 3.29% Oct 7, 20263.75%▲ from 3.44% Oct 3, 20263.44%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
9 Month Special CD	3.45%	3.49%	9 Months
No additional details. Last Updated 10/11/2026 Rate History 2 changes since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24% Oct 7, 20263.49%▲ from 3.39% Oct 3, 20263.39%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
13-Month CD SPECIAL	3.40%	3.43%	13 Month
Min Deposit $500 Min Balance $500 Details Special promotional offer details: The rate and APY may change upon renewal. Upon maturity, the account will renew at the then-current rate and APY for the renewal term. Interest is compounded daily. A withdrawal of interest will reduce earnings. A penalty will be imposed for early withdrawal. Fees could reduce the earnings on the account. Deposits are insured by the FDIC up to applicable limits. Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 3.29% → 3.43% ▲ 0.14 pts · high 3.43% / low 3.29% Oct 7, 20263.43%▲ from 3.29% Sep 27, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
5 Month Special CD	3.40%	3.43%	5 Months
No additional details. Last Updated 10/11/2026 Rate History 2 changes since Sep 14, 2026 · 3.18% → 3.43% ▲ 0.25 pts · high 3.43% / low 3.18% Oct 7, 20263.43%▲ from 3.33% Oct 3, 20263.33%▲ from 3.18% Sep 14, 20263.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
60 Month Traditional Certificate of Deposit (CD)	1.35%	1.36%	60 Months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
48 Month Traditional Certificate of Deposit (CD)	1.25%	1.26%	48 Months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
12 Month Traditional Certificate of Deposit (CD)	1.00%	1.00%	12 Months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
36 Month Traditional Certificate of Deposit (CD)	1.00%	1.00%	36 Months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
24 Month Traditional Certificate of Deposit (CD)	0.80%	0.80%	24 Months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
6 Month Traditional Certificate of Deposit (CD)	0.75%	0.75%	6 Months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%
3 Month Traditional Certificate of Deposit (CD)	0.35%	0.35%	3 Months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%

Home Bank SB Other Rates

Product	Rate	Points	APY/APR	Term	View More
Universal IRA	0.25%	-	0.25%
Min Deposit $10 Min Balance $10 Details Home Bank Universal IRA is a variable rate deposit product. The APY assumes earnings remain in the account. A withdrawal of interest will reduce earnings. Early withdrawals may result in a bank penalty. IRS taxes and penalties may also apply. Consult your tax advisor. Fees could reduce the earnings on the account. Deposits are insured by the FDIC up to applicable limits. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.61%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Home Bank SB’s Texas Ratio fell from 6.25% in Q3 2023 to 5.61% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.1 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$433M	5.61%	5.0	A+
March 31, 2026	$432M	4.74%	5.0	A+
December 31, 2025	$433M	4.55%	5.0	A+
September 30, 2025	$428M	2.42%	5.0	A+
June 30, 2025	$433M	7.08%	5.0	A
March 31, 2025	$422M	3.15%	5.0	A+
December 31, 2024	$421M	4.46%	5.0	A+
September 30, 2024	$411M	3.20%	5.0	A+
June 30, 2024	$426M	3.16%	5.0	A+
March 31, 2024	$424M	3.06%	5.0	A+
December 31, 2023	$437M	3.57%	5.0	A+
September 30, 2023	$417M	6.25%	4.1	B+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Home Bank SB is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Home Bank SB rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Home Bank SB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Home Bank SB

FDIC Certificate # 29881

Address 59 W Washington St, Martinsville, IN 46151 · Morgan

Website https://www.homebanksb.com

Established 18900101

FDIC Insurance Date 19890809

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.61%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6484%

Return on Equity (ROE) 7.2300%

Non-Performing Loans (NPL) 0.52%

Total Assets $433,127,000

Total Deposits $370,895,000

Equity Capital $40,191,000

Net Income $1,403,000

Headquarters Martinsville

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Home Bank SB earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/home-bank-sb-rates-review-29881">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Home Bank SB

How many branches does Home Bank SB operate?

Home Bank SB currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Home Bank SB does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Home Bank SB provides members with tools to manage their accounts and build a solid financial history.

Does Home Bank SB offer online and mobile banking?

Most modern institutions like Home Bank SB provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.homebanksb.com.