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Home Loan Savings Bank, The

Coshocton, OH · Cert 29695 · Home Loan Financial Corp.

SL · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=68 to 71). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

95

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

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 Loan Savings Bank, The

Coshocton, OH · Cert 29695 · Home Loan Financial Corp.

SL · FDIC · 5 branches

Q2 2026

$386.7MAssets
$352.9MLoans
$320.6MDeposits
$45.0MEquity
Loan mix
88%RE $306.4M11%C&I $37.2M1%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $280.5M13%Noninterest $40.2MQ2 2025Q2 2026

NIM

6.39%Q2 ’246.78%Q2 ’256.87%Q2 ’26+8%+5%

Non-interest income vs. expense

2.23%Q2 ’242.28%Q2 ’252.12%Q2 ’26+6%-12%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #52 of 53 inst. · $0.0B of $124.6B

36.3% Coshocton
2.0% Knox
0.2% Licking

Executive Summary

  • Earnings: ROA of 2.45%, up 38 bps year over year; NIM at 4.95%.
  • Asset quality: problem loans at 0.58% of loans (+6 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.68%, up 67 bps from a year ago.
  • Funding: loans stand at 110.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.45%+38 bps YoY

Net Interest Margin (YTD, annualized)

4.95%+24 bps YoY

Efficiency Ratio (YTD, annualized)

39.78%-560 bps YoY

Tier 1 Leverage Ratio

11.68%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.07%2.09%2.15%2.29%2.45%+38 bps
Return on Equity18.62%18.83%19.19%19.60%20.98%+236 bps
Net Interest Margin4.71%4.65%4.71%5.01%4.95%+24 bps
Efficiency Ratio45.39%45.25%43.35%43.75%39.78%-560 bps
Non-Interest Burden1.96%1.93%1.83%1.98%1.74%-23 bps
Growth
Asset Growth (YoY)9.27%8.19%9.18%8.87%7.00%-227 bps
Loan Growth (YoY)10.08%8.06%9.68%9.12%7.59%-249 bps
Deposit Growth (YoY)15.35%11.07%11.45%12.59%11.34%-401 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.91%0.73%0.34%0.58%+6 bps
Net Charge-Offs / Loans0.15%0.11%0.21%0.00%0.09%-6 bps
Allowance / Loans1.21%1.23%1.21%1.23%1.23%+2 bps
Allowance Coverage of NPLs2.3x1.4x1.7x3.6x2.1x-0.2x
Capital
Tier 1 Leverage Ratio11.01%11.14%11.60%11.90%11.68%+67 bps
Total Risk-Based Capital14.82%15.11%15.69%16.14%15.88%+106 bps
Equity / Assets10.82%11.12%11.52%11.87%11.63%+81 bps
Liquidity & Funding
Loans / Deposits113.89%114.11%111.62%111.69%110.05%-384 bps
Liquid Assets / Assets1.66%1.90%1.76%1.70%1.66%0 bps
CRE / Total Capitaln/a252%255%248%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 Loan Savings Bank, The

Coshocton, OH · Cert 29695 · Peer group: banks under $1B in assets in OH (n=68-71) · Home Loan Financial Corp.

SL · FDIC · 5 branches

Q2 2026

$386.7MAssets
$352.9MLoans
$320.6MDeposits
$45.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in OH (rank 3 of 71).
  • Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in OH (rank 51 of 68).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.42%

Rank 4 of 71

Net Interest Margin

4.95%

Rank 3 of 71

Efficiency Ratio

39.78%

Rank 3 of 71

Equity / Assets

11.63%

Rank 25 of 71

Non-interest income vs. expense

$1.5M$8.2MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 97% of banks under $1B in assets in OH
Bank 39.78%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.42%0.62%1.02%1.39%Beats 94%4 / 71
Return on Equity20.79%5.62%10.07%13.60%Beats 94%4 / 71
Net Interest Margin4.95%2.93%3.56%4.07%Beats 96%3 / 71
Efficiency Ratio39.78%55.94%70.77%78.80%Beats 97%3 / 71
Asset Quality
Nonperforming Loans / Loans0.58%0.08%0.27%0.97%Beats 41%41 / 68
Net Charge-Offs / Loans0.04%n/a0.00%0.05%Beats 26%51 / 68
Capital
Tier 1 Capital Ratio14.63%11.18%13.77%20.34%Beats 58%30 / 71
Total Risk-Based Capital Ratio15.88%12.08%14.34%21.24%Beats 59%29 / 71
Equity / Assets11.63%8.41%10.74%13.32%Beats 65%25 / 71
Liquidity & Funding
Loans / Deposits110.05%64.48%76.81%87.49%94th pctl4 / 68
Loans / Assets91.25%55.33%65.58%72.51%99th pctl1 / 71
Brokered Deposits / Depositsn/aNot reported for this institution