Coshocton, OH · Cert 29695 · Home Loan Financial Corp.
SL · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
61
Asset Quality
34
Profitability
95
Liquidity
0
Efficiency
97
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.
Coshocton, OH · Cert 29695 · Home Loan Financial Corp.
SL · FDIC · 5 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #52 of 53 inst. · $0.0B of $124.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.85% | 1.95% | 1.90% | 2.07% | 2.09% | 2.15% | 2.29% | 2.45% | +38 bps | |
| Return on Equity | 16.89% | 17.79% | 16.92% | 18.62% | 18.83% | 19.19% | 19.60% | 20.98% | +236 bps | |
| Net Interest Margin | 4.33% | 4.36% | 4.72% | 4.71% | 4.65% | 4.71% | 5.01% | 4.95% | +24 bps | |
| Efficiency Ratio | 45.91% | 45.07% | 48.23% | 45.39% | 45.25% | 43.35% | 43.75% | 39.78% | -560 bps | |
| Non-Interest Burden | 1.79% | 1.77% | 2.11% | 1.96% | 1.93% | 1.83% | 1.98% | 1.74% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.76% | 14.10% | 13.33% | 9.27% | 8.19% | 9.18% | 8.87% | 7.00% | -227 bps | |
| Loan Growth (YoY) | 16.10% | 15.25% | 14.62% | 10.08% | 8.06% | 9.68% | 9.12% | 7.59% | -249 bps | |
| Deposit Growth (YoY) | 10.93% | 12.18% | 13.55% | 15.35% | 11.07% | 11.45% | 12.59% | 11.34% | -401 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.27% | 0.55% | 0.53% | 0.91% | 0.73% | 0.34% | 0.58% | +6 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.09% | 0.15% | 0.11% | 0.21% | 0.00% | 0.09% | -6 bps | |
| Allowance / Loans | 1.18% | 1.21% | 1.21% | 1.21% | 1.23% | 1.21% | 1.23% | 1.23% | +2 bps | |
| Allowance Coverage of NPLs | 2.1x | 4.4x | 2.2x | 2.3x | 1.4x | 1.7x | 3.6x | 2.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.88% | 11.18% | 11.58% | 11.01% | 11.14% | 11.60% | 11.90% | 11.68% | +67 bps | |
| Total Risk-Based Capital | 14.68% | 15.44% | 15.51% | 14.82% | 15.11% | 15.69% | 16.14% | 15.88% | +106 bps | |
| Equity / Assets | 10.65% | 11.12% | 11.38% | 10.82% | 11.12% | 11.52% | 11.87% | 11.63% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.28% | 113.42% | 115.25% | 113.89% | 114.11% | 111.62% | 111.69% | 110.05% | -384 bps | |
| Liquid Assets / Assets | 1.45% | 1.41% | 1.41% | 1.66% | 1.90% | 1.76% | 1.70% | 1.66% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 252% | 255% | 248% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.42% | 0.62% | 1.02% | 1.39% | Beats 94% | 4 / 71 | ||
| Return on Equity | 20.79% | 5.62% | 10.07% | 13.60% | Beats 94% | 4 / 71 | ||
| Net Interest Margin | 4.95% | 2.93% | 3.56% | 4.07% | Beats 96% | 3 / 71 | ||
| Efficiency Ratio | 39.78% | 55.94% | 70.77% | 78.80% | Beats 97% | 3 / 71 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.08% | 0.27% | 0.97% | Beats 41% | 41 / 68 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.05% | Beats 26% | 51 / 68 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.63% | 11.18% | 13.77% | 20.34% | Beats 58% | 30 / 71 | ||
| Total Risk-Based Capital Ratio | 15.88% | 12.08% | 14.34% | 21.24% | Beats 59% | 29 / 71 | ||
| Equity / Assets | 11.63% | 8.41% | 10.74% | 13.32% | Beats 65% | 25 / 71 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.05% | 64.48% | 76.81% | 87.49% | 94th pctl | 4 / 68 | ||
| Loans / Assets | 91.25% | 55.33% | 65.58% | 72.51% | 99th pctl | 1 / 71 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||