THE HOME LOAN SAVINGS BANK
Total assets
$386.7M
▲ +7.0% YoY
Deposits
$320.6M
▲ +11.3% YoY
Loans
$348.5M
▲ +7.6% YoY
Offices
5
HOME LOAN FINANCIAL CORP
ROA (annualized)
2.45%
peers 1.24%
ROE (annualized)
20.98%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +11.3% | +4.0% | +7.4 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 2.45% | 1.24% | +1.2 pts |
| ROE | 21.0% | 11.9% | +9.1 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
Profile
- Established
- 1882
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- HOME LOAN FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 413 Main St, Coshocton, OH, 43812
- County
- Coshocton
- Metro area
- Coshocton, OH
- Offices
- 5
- FDIC cert #
- 29695
- RSSD ID
- 468673
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $386.7M | $320.6M | $348.5M | $45.0M | $4.7M | 2.45% | 5.25% | 0.53% |
| Q1 2026 | $383.2M | $313.6M | $346.0M | $45.5M | $2.2M | 2.29% | 5.30% | 0.31% |
| Q4 2025 | $376.0M | $307.4M | $338.9M | $43.3M | $7.8M | 2.15% | 5.14% | 0.66% |
| Q3 2025 | $370.1M | $294.1M | $331.5M | $41.1M | $5.6M | 2.09% | 5.08% | 0.82% |
| Q2 2025 | $361.4M | $288.0M | $324.0M | $39.1M | $3.6M | 2.07% | 5.02% | 0.48% |
| Q1 2025 | $351.9M | $278.6M | $317.2M | $40.0M | $1.7M | 1.90% | 4.96% | 0.54% |
| Q4 2024 | $344.4M | $275.8M | $309.0M | $38.3M | $6.4M | 1.95% | 4.87% | 0.25% |
| Q3 2024 | $342.1M | $264.8M | $306.9M | $36.4M | $4.5M | 1.85% | 4.80% | 0.51% |
Loan mix (Q2 2026): real estate $308.1M · commercial $37.7M · consumer $4.1M · securities $12.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.45% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 21.0% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.25% | 3.96% | 95th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 62.9% | 3th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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