BlastPoint's Banking Scorecard

The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC

$100M-$1B Specialty: Commercial OH FDIC cert 29571

Designations: ✓ Mutual

Kenton, OH

3 branches across KY · OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
Deposits +5.3% year over year ($194.4M on the books).
Delinquency rate 1.16%.
Return on assets 1.03%.
Efficiency ratio 66.74% vs a 64.48% peer average.
Loan-to-deposit ratio 97.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH

View $100M-$1B leaderboard (OH) →

The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 26.4% in tier
- Liquidity Strain: Bottom 47.0% in tier
- Non-Interest-Bearing Deposit Share 18.00% below tier average
- ROA 0.29% below tier average
- Net Interest Margin 0.34% below tier average
- Efficiency Ratio 2.26% above tier average
- Delinquency Rate 0.24% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$245.0M +5.2% YoY -1.1% QoQ	-$141.6M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$190.1M +6.1% YoY -2.3% QoQ	-$68.2M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$194.4M +5.3% YoY -0.7% QoQ	-$132.4M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	1.03% +135.6% YoY +57.6% QoQ	-0.29%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	3.64% +4.9% YoY +4.0% QoQ	-0.34%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	66.74% -18.1% YoY -9.2% QoQ	+2.26%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	1.16% -21.1% YoY -24.4% QoQ	+0.24%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	97.81% +0.8% YoY -1.6% QoQ	+19.86%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	Bottom 12.7% in tier
Non-Interest-Bearing Deposit Share ?	4.04% +9.1% YoY +17.3% QoQ	-18.00%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 2.8% in tier
Nonperforming Asset Ratio ?	0.90% -20.6% YoY -25.3% QoQ	+0.23%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	17.11% -2.2% YoY +0.8% QoQ	+1.20%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.30% +158.4% YoY +266.0% QoQ	-0.26%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	4.0% +0.3pp YoY +0.6pp QoQ	-18.1pp	22.1%	18.8%	22.2%	2%
Brokered Deposits	7.5% -4.8pp YoY -2.5pp QoQ	-0.4pp	7.9%	7.7%	8.5%	66%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	13.5% -1.1pp YoY +0.1pp QoQ	+1.9pp	11.6%	10.2%	12.5%	70%
CRE	37.0% -1.4pp YoY -2.2pp QoQ	-2.6pp	39.5%	34.2%	41.4%	47%
1-4 Family	41.7% +4.3pp YoY +2.3pp QoQ	+9.1pp	32.6%	50.0%	31.3%	72%
Consumer	2.4% -0.9pp YoY -0.2pp QoQ	-1.7pp	4.1%	4.7%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.1%	19.7%	n/a
Leverage Ratio	17.1% -0.4pp YoY +0.1pp QoQ	+4.9pp	12.2%	12.9%	12.6%	93%
Total Capital Ratio	n/a	n/a	19.9%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	29 0 YoY -1 (-3.3%) QoQ	-30	58	2,433	482	25%
Assets per Employee ($)	$8.4M +5.2% YoY +2.3% QoQ	+$931K	$7.5M	$7.6M	$8.8M	74%
Branch Count	3 0 YoY 0 QoQ	-2	4	81	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	42%
Nonaccrual	1.1% -0.1pp YoY -0.4pp QoQ	+0.2pp	0.9%	0.6%	1.0%	74%
Allowance Coverage	0.94x +29.5% YoY +38.4% QoQ	-23.22x	24.15x	18.95x	20.23x	25%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	62%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	6.0% +3.5pp YoY +2.2pp QoQ	-6.2pp	12.2%	9.7%	11.6%	17%
Cost of Funds (YTD)	2.5% 0.0pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.7%	1.7%	89%
Net Income ($, YTD)	$1.3M +152.9% YoY — QoQ	-$1.3M	$2.6M	$259.3M	$40.4M	35%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#197 of 742 • Bottom 26.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.11%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 97.81%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#326 of 691 • Bottom 47.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.81%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

601

Tier 1 Capital Ratio

capital

Value: 17.11%

Peer Median: 15.91%

#601 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (4 metrics)

2569

Non-Interest-Bearing Deposit Share

funding

Value: 4.04%

Peer Median: 22.03%

#2569 of 2643 Bottom 2.8% in $100M-$1B

2308

Loan-to-Deposit Ratio

liquidity

Value: 97.81%

Peer Median: 77.95%

#2308 of 2643 Bottom 12.7% in $100M-$1B

2038

Nonperforming Asset Ratio

credit_quality

Value: 0.90%

Peer Median: 0.67%

#2038 of 2643 Bottom 22.9% in $100M-$1B

1977

Delinquency Rate

credit_quality

Value: 1.16%

Peer Median: 0.92%

#1977 of 2633 Bottom 25.0% in $100M-$1B