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Hamler State Bank, The

Hamler, OH · Cert 14920

State charter, Fed member · FED · 1 branch

Q2 2026

$125.3MAssets
$87.0MLoans
$107.4MDeposits
$16.9MEquity
Loan mix
92%RE $73.0M6%C&I $4.6M2%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $95.2M11%Noninterest $12.2MQ2 2025Q2 2026

NIM

4.36%Q2 ’244.60%Q2 ’254.80%Q2 ’26+11%+15%

Non-interest income vs. expense

1.52%Q2 ’241.52%Q2 ’251.59%Q2 ’26+2%+4%

Executive Summary

  • Earnings: ROA of 0.99%, up 58 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 1.38% of loans (-133 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.34%, down 15 bps from a year ago.
  • Funding: loans stand at 81.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+58 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+36 bps YoY

Efficiency Ratio (YTD, annualized)

54.06%-504 bps YoY

Tier 1 Leverage Ratio

14.34%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.73%0.72%0.82%0.99%+58 bps
Return on Equity3.08%5.35%5.29%6.08%7.36%+428 bps
Net Interest Margin2.45%2.51%2.58%2.71%2.81%+36 bps
Efficiency Ratio59.09%52.06%49.53%59.87%54.06%-504 bps
Non-Interest Burden1.40%1.25%1.22%1.57%1.46%+6 bps
Growth
Asset Growth (YoY)7.33%6.56%6.63%7.68%6.16%-117 bps
Loan Growth (YoY)6.60%3.08%4.33%6.85%5.85%-74 bps
Deposit Growth (YoY)8.12%7.10%6.56%8.15%5.88%-224 bps
Asset Quality
Nonperforming Loans / Loans2.71%2.05%1.50%1.44%1.38%-133 bps
Net Charge-Offs / Loans-0.05%0.96%0.71%0.00%0.00%+5 bps
Allowance / Loans1.54%0.82%1.09%1.14%1.13%-41 bps
Allowance Coverage of NPLs0.6x0.4x0.7x0.8x0.8x+0.2x
Capital
Tier 1 Leverage Ratio14.49%14.65%14.73%14.02%14.34%-15 bps
Total Risk-Based Capital14.49%14.65%14.73%14.02%14.34%-15 bps
Equity / Assets13.43%13.76%13.95%13.04%13.51%+8 bps
Liquidity & Funding
Loans / Deposits81.06%79.35%81.08%77.28%81.04%-2 bps
Liquid Assets / Assets7.80%8.41%10.95%11.13%11.05%+325 bps
CRE / Total Capitaln/a197.52%200%207%n/an/a