BlastPoint's Banking Scorecard
Home Savings Bank of Wapakoneta
Designations: ✓ Community bank ✓ Mutual
Wapakoneta, OH
Home Savings Bank of Wapakoneta has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.75% above tier average
- - Non-Interest Income / Assets 0.66% below tier average
- - ROA 0.60% below tier average
- - Net Interest Margin 0.22% below tier average
- - Efficiency Ratio 2.95% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.4M
+2.0% YoY
+4.6% QoQ
|
-$18.9M |
$62.3M
-0.5% YoY
|
$36.0B
+10.6% YoY
|
$6.2B
+9.0% YoY
|
25% |
| Total Loans ? |
$36.3M
+3.5% YoY
+1.0% QoQ
|
+$2.1M |
$34.3M
-1.5% YoY
|
$15.8B
+12.8% YoY
|
$3.2B
+10.7% YoY
|
57% |
| Total Deposits ? |
$35.3M
+4.6% YoY
+3.3% QoQ
|
-$16.5M |
$51.8M
-0.6% YoY
|
$26.1B
+8.5% YoY
|
$4.8B
+8.0% YoY
|
25% |
| Return on Assets ? |
0.25%
+80.2% YoY
-40.9% QoQ
|
-0.60% |
0.86%
-3.6% YoY
|
1.13%
+9.6% YoY
|
1.24%
+13.1% YoY
|
21% |
| Net Interest Margin ? |
3.65%
+9.8% YoY
+2.3% QoQ
|
-0.22% |
3.87%
+2.7% YoY
|
3.59%
+7.5% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
90.58%
-3.1% YoY
+7.9% QoQ
|
+2.95% |
87.63%
+2.3% YoY
|
72.32%
-4.0% YoY
|
66.84%
-3.8% YoY
|
20% |
| Delinquency Rate ? | 0.00% | -1.36% |
1.36%
+33.7% YoY
|
0.66%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
102.86%
-1.0% YoY
-2.3% QoQ
|
+38.75% |
64.11%
-0.9% YoY
|
79.14%
+0.8% YoY
|
76.69%
+0.9% YoY
|
Bottom 5.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.92%
-5.2% YoY
-0.8% QoQ
|
-6.86% |
23.79%
+0.5% YoY
|
18.19%
-0.4% YoY
|
22.01%
-1.1% YoY
|
30% |
| Nonperforming Asset Ratio ? | 0.00% | -0.77% |
0.77%
+28.7% YoY
|
0.44%
+14.5% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.79%
+6.5% YoY
+0.8% QoQ
|
-13.99% |
26.77%
+2.0% YoY
|
19.42%
+3.1% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.01%
-2.0% YoY
-76.1% QoQ
|
-0.66% |
0.67%
+1.6% YoY
|
0.57%
-2.5% YoY
|
0.32%
+4.0% YoY
|
Bottom 8.8% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.