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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 $5.0MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $186.5M4%Noninterest $7.8MQ3 2024Q2 2026

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 1.40%, up 92 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 1.14% of loans (-31 bps YoY), with net charge-offs at 0.07%.
  • 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.

Return on Assets (quarter, annualized)

1.40%+92 bps YoY

Net Interest Margin (quarter, annualized)

3.50%+22 bps YoY

Efficiency Ratio (quarter, annualized)

61.24%-1,882 bps YoY

Tier 1 Leverage Ratio

17.11%-38 bps YoY

NIM

5.47%Q2 ’245.54%Q2 ’255.79%Q2 ’26+7%+7%

Non-interest income vs. expense

2.76%Q2 ’242.87%Q2 ’252.72%Q2 ’26+5%-29%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.46%0.39%0.48%0.51%0.75%0.66%1.40%+92 bps
Return on Equity2.75%2.56%2.23%2.78%2.96%4.34%3.86%8.20%+542 bps
Net Interest Margin3.23%3.07%3.23%3.28%3.24%3.37%3.27%3.50%+22 bps
Efficiency Ratio80.20%80.75%83.07%80.06%77.75%68.14%73.50%61.24%-1,882 bps
Non-Interest Burden2.58%2.47%2.69%2.62%2.48%2.21%2.36%1.85%-77 bps
Growth
Asset Growth (YoY)6.08%3.44%5.19%8.01%6.65%8.02%8.87%5.19%-283 bps
Loan Growth (YoY)5.62%2.64%4.76%6.39%8.19%10.57%9.37%6.12%-27 bps
Deposit Growth (YoY)6.59%5.13%6.02%9.79%7.94%7.85%9.20%5.30%-449 bps
Asset Quality
Nonperforming Loans / Loans1.26%1.77%1.39%1.45%1.61%1.60%1.51%1.14%-31 bps
Net Charge-Offs / Loans0.00%0.00%0.06%0.01%0.00%0.00%0.00%0.07%+6 bps
Allowance / Loans1.10%1.09%1.05%1.05%1.03%1.02%1.02%1.07%+2 bps
Allowance Coverage of NPLs0.9x0.6x0.8x0.7x0.6x0.6x0.7x0.9x+0.2x
Capital
Tier 1 Leverage Ratio18.23%17.91%17.84%17.49%17.29%17.16%16.98%17.11%-38 bps
Total Risk-Based Capital18.23%17.91%17.84%17.49%17.29%17.16%16.98%17.11%-38 bps
Equity / Assets17.91%17.72%17.51%17.25%17.32%17.15%16.80%17.33%+8 bps
Liquidity & Funding
Loans / Deposits100.45%100.47%100.26%98.11%100.68%103.01%100.42%98.87%+76 bps
Liquid Assets / Assets6.80%6.93%7.23%8.93%6.42%5.08%7.07%7.69%-124 bps
CRE / Total Capitaln/an/an/an/a173.91%182.39%184.30%n/an/a