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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 $0.0MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $29.7M21%Noninterest $8.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.84%, up 27 bps year over year; NIM at 3.80%.
  • 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.

Return on Assets (quarter, annualized)

0.84%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.80%+46 bps YoY

Efficiency Ratio (quarter, annualized)

71.56%-693 bps YoY

Tier 1 Leverage Ratio

12.40%0 bps YoY

NIM

4.73%Q2 ’244.88%Q2 ’255.19%Q2 ’26-1%+14%

Non-interest income vs. expense

2.94%Q2 ’242.66%Q2 ’252.74%Q2 ’26-9%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.44%0.14%0.57%0.60%0.42%0.25%0.84%+27 bps
Return on Equity0.67%3.77%1.26%4.94%5.00%3.39%2.11%7.20%+225 bps
Net Interest Margin3.24%3.32%3.19%3.33%3.58%3.65%3.58%3.80%+46 bps
Efficiency Ratio98.48%82.75%93.43%78.49%78.57%85.64%90.58%71.56%-693 bps
Non-Interest Burden3.19%2.73%2.98%2.60%2.80%3.12%3.24%2.71%+10 bps
Growth
Asset Growth (YoY)4.82%14.05%11.09%5.97%4.40%-2.21%2.02%9.66%+369 bps
Loan Growth (YoY)8.90%17.63%13.79%12.62%11.57%3.51%3.50%6.09%-653 bps
Deposit Growth (YoY)-3.09%2.03%9.19%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.81%0.75%0.75%0.76%0.74%0.73%0.73%0.73%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.90%12.73%12.01%12.39%12.74%12.68%12.79%12.40%0 bps
Total Risk-Based Capital12.90%12.73%12.01%12.39%12.74%12.68%12.79%12.40%0 bps
Equity / Assets12.19%11.16%11.34%11.83%12.22%12.32%11.83%11.49%-34 bps
Liquidity & Funding
Loans / Deposits100.52%107.81%104.73%102.32%107.00%106.06%103.61%98.47%-385 bps
Liquid Assets / Assets6.34%3.35%2.55%3.11%0.73%0.57%4.53%8.15%+504 bps
CRE / Total Capitaln/an/an/an/a69.40%74.30%81.12%n/an/a