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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

$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