THE HOME LOAN SAVINGS BANK: how it compares with its peers
Against 56 OH banks with half to twice its assets, THE HOME LOAN SAVINGS BANK's strongest measure in Q2 2026 is return on assets (2.45% vs. a 0.87% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $5.9M).
| Measure | THE HOME LOAN SAVINGS BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.45% | 0.87% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.25% | 3.75% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.78% | 71.82% | Top third Ahead of 98% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $5.9M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 108.69% | 81.81% | Context |
What it means for lending operations
Its efficiency ratio of 39.78% is better than the 71.82% 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
- The Fahey Banking Company Marion, OH · $385M
- The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH · $390M
- First Federal Community Bank of Bucyrus Bucyrus, OH · $374M
- GreenWay Bank Van Wert, OH · $402M
- Farmers & Merchants Bank Miamisburg, OH · $359M
- The Hocking Valley Bank Athens, OH · $354M
Questions about THE HOME LOAN SAVINGS BANK
How big is THE HOME LOAN SAVINGS BANK?
THE HOME LOAN SAVINGS BANK, established in 1882, is headquartered in Coshocton, OH. It reported $387M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is THE HOME LOAN SAVINGS BANK's return on assets?
2.45% annualized in Q2 2026, against a 0.87% median for 56 OH banks with half to twice its assets, ahead of 98% of them.
What is THE HOME LOAN SAVINGS BANK's efficiency ratio?
39.78% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 71.82%, and lower is better.
Is THE HOME LOAN SAVINGS BANK growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits grew 11.3%.
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.