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
Unfavorable gap of $1.3M · efficiency ratio beats 24% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.62% | 1.02% | 1.39% | Beats 18% | 58 / 71 | |
| Return on Equity | 4.61% | 5.62% | 10.07% | 13.60% | Beats 17% | 59 / 71 | |
| Net Interest Margin | 3.61% | 2.93% | 3.56% | 4.07% | Beats 58% | 30 / 71 | |
| Efficiency Ratio | 80.60% | 55.94% | 70.77% | 78.80% | Beats 24% | 55 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.27% | 0.97% | Beats 100% | 9 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 12.40% | 11.18% | 13.77% | 20.34% | Beats 30% | 50 / 71 | |
| Total Risk-Based Capital Ratio | 12.40% | 12.08% | 14.34% | 21.24% | Beats 30% | 50 / 71 | |
| Equity / Assets | 11.49% | 8.41% | 10.74% | 13.32% | Beats 62% | 27 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 98.47% | 64.48% | 76.81% | 87.49% | 88th pctl | 8 / 68 | |
| Loans / Assets | 82.11% | 55.33% | 65.58% | 72.51% | 89th pctl | 8 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |