Hamler State Bank, The
Hamler, OH · Cert 14920 · Peer group: banks under $1B in assets in OH (n=68-71)
State charter, Fed member · FED · 1 branch
Q2 2026
$125.3MAssets
$87.0MLoans
$107.4MDeposits
$16.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: nonperforming loans / loans trails 82% of banks under $1B in assets in OH (rank 57 of 68).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.98%
Rank 37 of 71
Net Interest Margin
2.81%
Rank 58 of 71
Efficiency Ratio
54.06%
Rank 15 of 71
Equity / Assets
13.51%
Rank 17 of 71
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 80% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.62% | 1.02% | 1.39% | Beats 48% | 37 / 71 | | |
| Return on Equity | 7.28% | 5.62% | 10.07% | 13.60% | Beats 32% | 48 / 71 | | |
| Net Interest Margin | 2.81% | 2.93% | 3.56% | 4.07% | Beats 18% | 58 / 71 | | |
| Efficiency Ratio | 54.06% | 55.94% | 70.77% | 78.80% | Beats 80% | 15 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.08% | 0.27% | 0.97% | Beats 18% | 57 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 14.34% | 11.18% | 13.77% | 20.34% | Beats 55% | 32 / 71 | | |
| Total Risk-Based Capital Ratio | 14.34% | 12.08% | 14.34% | 21.24% | Beats 49% | 36 / 71 | | |
| Equity / Assets | 13.51% | 8.41% | 10.74% | 13.32% | Beats 76% | 17 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.04% | 64.48% | 76.81% | 87.49% | 65th pctl | 24 / 68 | | |
| Loans / Assets | 69.44% | 55.33% | 65.58% | 72.51% | 61st pctl | 28 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |