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
Unfavorable gap of $5.2M · efficiency ratio beats 36% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.82% | 1.19% | 1.46% | Beats 37% | 59 / 94 | | |
| Return on Equity | 5.94% | 7.85% | 11.84% | 14.03% | Beats 17% | 78 / 94 | | |
| Net Interest Margin | 3.37% | 3.42% | 3.81% | 4.18% | Beats 19% | 76 / 94 | | |
| Efficiency Ratio | 67.84% | 55.99% | 62.41% | 73.02% | Beats 36% | 61 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | 0.19% | 0.47% | 1.14% | Beats 26% | 71 / 94 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 51% | 47 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 17.11% | 10.28% | 11.95% | 15.07% | Beats 86% | 13 / 94 | | |
| Total Risk-Based Capital Ratio | 17.11% | 10.31% | 12.59% | 15.88% | Beats 83% | 16 / 94 | | |
| Equity / Assets | 17.33% | 8.98% | 10.21% | 11.41% | Beats 97% | 3 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.87% | 72.62% | 84.44% | 94.55% | 82nd pctl | 17 / 94 | | |
| Loans / Assets | 78.43% | 62.50% | 72.84% | 78.99% | 72nd pctl | 26 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |