BlastPoint's Banking Scorecard
THE HOME LOAN SAVINGS BANK
Coshocton, OH
5 branches across OH
THE HOME LOAN SAVINGS BANK has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 21.9% in tier
- + Net Interest Margin 1.37% above tier average
- + Efficiency Ratio 21.53% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$383.2M
+8.9% YoY
+1.9% QoQ
|
-$2.9M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$346.0M
+9.1% YoY
+2.1% QoQ
|
+$90.3M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$313.6M
+12.6% YoY
+2.0% QoQ
|
-$14.3M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
2.29%
+20.5% YoY
+6.7% QoQ
|
+1.02% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Top 7.3% in tier |
| Net Interest Margin ? |
5.30%
+6.9% YoY
+3.1% QoQ
|
+1.37% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 4.2% in tier |
| Efficiency Ratio ? |
43.75%
-9.3% YoY
+0.9% QoQ
|
-21.53% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Top 7.5% in tier |
| Delinquency Rate ? |
0.35%
-38.2% YoY
-52.9% QoQ
|
-0.54% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
110.32%
-3.1% YoY
+0.0% QoQ
|
+33.68% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.26%
-9.2% YoY
+1.0% QoQ
|
-9.76% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.31%
-42.3% YoY
-52.8% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
14.89%
+4.4% YoY
+3.2% QoQ
|
-0.94% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.10%
+21.7% YoY
-74.4% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
49% |
Get Full Access to THE HOME LOAN SAVINGS BANK
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.