The Hamler State Bank: how it compares with its peers
Against 53 OH banks with half to twice its assets, The Hamler State Bank's strongest measure in Q2 2026 is assets per employee ($13.9M vs. a $5.8M peer median). Its weakest relative measure is net interest margin (2.93% vs. 3.66%).
| Measure | The Hamler State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 0.79% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.93% | 3.66% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.06% | 75.72% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.9M | $5.8M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.13% | 77.89% | Context |
What it means for lending operations
Its efficiency ratio of 54.06% is better than the 75.72% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Adelphi Bank Columbus, OH · $124M
- Woodsfield Savings Bank Woodsfield, OH · $123M
- The Baltic State Bank Baltic, OH · $130M
- Community Savings Bank Bethel, OH · $120M
- Fidelity Federal Savings and Loan Association of Delaware Delaware, OH · $132M
- The National Bank of Adams County of West Union West Union, OH · $115M
Questions about The Hamler State Bank
How big is The Hamler State Bank?
The Hamler State Bank, established in 1921, is headquartered in Hamler, OH. It reported $125M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Hamler State Bank's return on assets?
1.27% annualized in Q2 2026, against a 0.79% median for 53 OH banks with half to twice its assets, ahead of 85% of them.
What is The Hamler State Bank's efficiency ratio?
54.06% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 75.72%, and lower is better.
Is The Hamler State Bank growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.