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Home Savings and Loan Company of Kenton, Ohio, The Dba HSLC

Kenton, OH · Cert 29571

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

36

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Home Savings and Loan Company of Kenton, Ohio, The Dba HSLC

Kenton, OH · Cert 29571

State charter, non-member · FDIC · 3 branches

Q2 2026

$245.0MAssets
$192.2MLoans
$194.4MDeposits
$42.5MEquity
Loan mix
84%RE $163.2M13%C&I $26.1M3%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $186.5M4%Noninterest $7.8MQ2 2025Q2 2026

NIM

5.37%Q2 ’245.43%Q2 ’255.63%Q2 ’26+6%+5%

Non-interest income vs. expense

2.81%Q2 ’242.85%Q2 ’252.69%Q2 ’26+3%-20%

Market Position · Lexington-Fayette, KY · 2026 SOD (annual) · 0.2% share · #28 of 36 inst. · $0.0B of $16.0B

31.0% Hardin
0.3% Fayette

Executive Summary

  • Earnings: ROA of 1.03%, up 59 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 1.14% of loans (-31 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 17.11%, down 38 bps from a year ago.
  • Funding: loans stand at 98.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+15 bps YoY

Efficiency Ratio (YTD, annualized)

66.74%-1,479 bps YoY

Tier 1 Leverage Ratio

17.11%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.46%0.54%0.66%1.03%+59 bps
Return on Equity2.51%2.66%3.08%3.86%6.04%+354 bps
Net Interest Margin3.21%3.18%3.19%3.27%3.37%+15 bps
Efficiency Ratio81.53%80.22%76.96%73.50%66.74%-1,479 bps
Non-Interest Burden2.62%2.54%2.42%2.36%2.09%-53 bps
Growth
Asset Growth (YoY)8.01%6.65%8.02%8.87%5.19%-283 bps
Loan Growth (YoY)6.39%8.19%10.57%9.37%6.12%-27 bps
Deposit Growth (YoY)9.79%7.94%7.85%9.20%5.30%-449 bps
Asset Quality
Nonperforming Loans / Loans1.45%1.61%1.60%1.51%1.14%-31 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.04%0 bps
Allowance / Loans1.05%1.03%1.02%1.02%1.07%+2 bps
Allowance Coverage of NPLs0.7x0.6x0.6x0.7x0.9x+0.2x
Capital
Tier 1 Leverage Ratio17.49%17.29%17.16%16.98%17.11%-38 bps
Total Risk-Based Capital17.49%17.29%17.16%16.98%17.11%-38 bps
Equity / Assets17.25%17.32%17.15%16.80%17.33%+8 bps
Liquidity & Funding
Loans / Deposits98.11%100.68%103.01%100.42%98.87%+76 bps
Liquid Assets / Assets8.93%6.42%5.08%7.07%7.69%-124 bps
CRE / Total Capitaln/a173.91%182.39%184.30%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Home Savings and Loan Company of Kenton, Ohio, The Dba HSLC

Kenton, OH · Cert 29571 · Peer group: banks under $1B in assets operating regionally (n=94)

State charter, non-member · FDIC · 3 branches

Q2 2026

$245.0MAssets
$192.2MLoans
$194.4MDeposits
$42.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 97% of banks under $1B in assets operating regionally (rank 3 of 94).
  • Widest gap: return on equity trails 83% of banks under $1B in assets operating regionally (rank 78 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.03%

Rank 59 of 94

Net Interest Margin

3.37%

Rank 76 of 94

Efficiency Ratio

67.84%

Rank 61 of 94

Equity / Assets

17.33%

Rank 3 of 94

Non-interest income vs. expense

$1.5M$6.7MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 36% of banks under $1B in assets operating regionally
Bank 67.84%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.82%1.19%1.46%Beats 37%59 / 94
Return on Equity5.94%7.85%11.84%14.03%Beats 17%78 / 94
Net Interest Margin3.37%3.42%3.81%4.18%Beats 19%76 / 94
Efficiency Ratio67.84%55.99%62.41%73.02%Beats 36%61 / 94
Asset Quality
Nonperforming Loans / Loans1.14%0.19%0.47%1.14%Beats 26%71 / 94
Net Charge-Offs / Loans0.02%0.00%0.02%0.05%Beats 51%47 / 94
Capital
Tier 1 Capital Ratio17.11%10.28%11.95%15.07%Beats 86%13 / 94
Total Risk-Based Capital Ratio17.11%10.31%12.59%15.88%Beats 83%16 / 94
Equity / Assets17.33%8.98%10.21%11.41%Beats 97%3 / 94
Liquidity & Funding
Loans / Deposits98.87%72.62%84.44%94.55%82nd pctl17 / 94
Loans / Assets78.43%62.50%72.84%78.99%72nd pctl26 / 94
Brokered Deposits / Depositsn/aNot reported for this institution