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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 0.55%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.17%0.14%0.36%0.44%0.43%0.25%0.55%+20 bps
Return on Equity0.59%1.40%1.26%3.12%3.75%3.66%2.11%4.66%+155 bps
Net Interest Margin3.20%3.18%3.19%3.30%3.43%3.45%3.58%3.61%+31 bps
Efficiency Ratio95.18%91.95%93.43%85.88%83.33%83.94%90.58%80.60%-528 bps
Non-Interest Burden3.04%2.92%2.98%2.82%2.85%2.89%3.24%2.90%+8 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