Home Savings Bank of Wapakoneta: how it compares with its peers
Against 17 OH banks with half to twice its assets, Home Savings Bank of Wapakoneta's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $4.8M peer median). Its weakest relative measure is return on assets (0.55% vs. 0.69%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.55% | 0.69% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 3.72% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.60% | 80.06% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $4.8M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.76% | 69.28% | Context |
What it means for lending operations
Its efficiency ratio of 80.60% is above the 80.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Brookville Building and Savings Association Brookville, OH · $41M
- Credit First National Association Brook Park, OH · $40M
- The Union Banking Company West Mansfield, OH · $55M
- The Pioneer Savings Bank Cleveland, OH · $55M
- Liberty Bank Ironton, OH · $56M
Questions about Home Savings Bank of Wapakoneta
How big is Home Savings Bank of Wapakoneta?
Home Savings Bank of Wapakoneta, established in 1941, is headquartered in Wapakoneta, OH. It reported $45M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Home Savings Bank of Wapakoneta's return on assets?
0.55% annualized in Q2 2026, against a 0.69% median for 17 OH banks with half to twice its assets, ahead of 41% of them.
What is Home Savings Bank of Wapakoneta's efficiency ratio?
80.60% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 80.06%, and lower is better.
Is Home Savings Bank of Wapakoneta growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 10.2%.
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.