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
Unfavorable gap of $6.7M · efficiency ratio beats 97% of banks under $1B in assets in OH | 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 |