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Home Savings Bank of Wapakoneta

Wapakoneta, OH · Cert 30176

State charter, non-member · FDIC · 1 branch

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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

24

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 Savings Bank of Wapakoneta

Wapakoneta, OH · Cert 30176

State charter, non-member · FDIC · 1 branch

Q2 2026

$45.3MAssets
$37.2MLoans
$37.8MDeposits
$5.2MEquity
Loan mix
100%RE $36.6M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $29.7M21%Noninterest $8.1MQ2 2025Q2 2026

NIM

4.54%Q2 ’244.91%Q2 ’255.04%Q2 ’26+1%+9%

Non-interest income vs. expense

3.12%Q2 ’242.88%Q2 ’252.94%Q2 ’26-7%+3%

Executive Summary

  • Earnings: ROA of 0.55%, up 20 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.40%, unchanged from a year ago.
  • Funding: loans stand at 98.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+31 bps YoY

Efficiency Ratio (YTD, annualized)

80.60%-528 bps YoY

Tier 1 Leverage Ratio

12.40%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.44%0.43%0.25%0.55%+20 bps
Return on Equity3.12%3.75%3.66%2.11%4.66%+155 bps
Net Interest Margin3.30%3.43%3.45%3.58%3.61%+31 bps
Efficiency Ratio85.88%83.33%83.94%90.58%80.60%-528 bps
Non-Interest Burden2.82%2.85%2.89%3.24%2.90%+8 bps
Growth
Asset Growth (YoY)5.97%4.40%-2.21%2.02%9.66%+369 bps
Loan Growth (YoY)12.62%11.57%3.51%3.50%6.09%-653 bps
Deposit Growth (YoY)8.40%4.82%5.21%4.62%10.24%+184 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.76%0.74%0.73%0.73%0.73%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.39%12.74%12.68%12.79%12.40%0 bps
Total Risk-Based Capital12.39%12.74%12.68%12.79%12.40%0 bps
Equity / Assets11.83%12.22%12.32%11.83%11.49%-34 bps
Liquidity & Funding
Loans / Deposits102.32%107.00%106.06%103.61%98.47%-385 bps
Liquid Assets / Assets3.11%0.73%0.57%4.53%8.15%+504 bps
CRE / Total Capitaln/a69.40%74.30%81.12%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 Savings Bank of Wapakoneta

Wapakoneta, OH · Cert 30176 · Peer group: banks under $1B in assets in OH (n=68-71)

State charter, non-member · FDIC · 1 branch

Q2 2026

$45.3MAssets
$37.2MLoans
$37.8MDeposits
$5.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OH (rank 9 of 68).
  • Widest gap: return on equity trails 83% of banks under $1B in assets in OH (rank 59 of 71).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.53%

Rank 58 of 71

Net Interest Margin

3.61%

Rank 30 of 71

Efficiency Ratio

80.60%

Rank 55 of 71

Equity / Assets

11.49%

Rank 27 of 71

Non-interest income vs. expense

$0.0M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 24% of banks under $1B in assets in OH
Bank 80.60%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.53%0.62%1.02%1.39%Beats 18%58 / 71
Return on Equity4.61%5.62%10.07%13.60%Beats 17%59 / 71
Net Interest Margin3.61%2.93%3.56%4.07%Beats 58%30 / 71
Efficiency Ratio80.60%55.94%70.77%78.80%Beats 24%55 / 71
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.27%0.97%Beats 100%9 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio12.40%11.18%13.77%20.34%Beats 30%50 / 71
Total Risk-Based Capital Ratio12.40%12.08%14.34%21.24%Beats 30%50 / 71
Equity / Assets11.49%8.41%10.74%13.32%Beats 62%27 / 71
Liquidity & Funding
Loans / Deposits98.47%64.48%76.81%87.49%88th pctl8 / 68
Loans / Assets82.11%55.33%65.58%72.51%89th pctl8 / 71
Brokered Deposits / Depositsn/aNot reported for this institution