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The Home Loan Savings Bank
Coshocton, OH · FDIC Certificate #29695 · Chartered 01/0
Total assets
$386.72M
Total deposits
$320.64M
Total equity
$44.99M
Net loans
$348.52M
Branches (offices)
5
Net income (YTD)
$4.68M
Rank: #2,111 of 4,213 U.S. banks by assets · #63 of 155 in Ohio. Assets changed 7.0% and deposits 11.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.45% |
| Return on equity | 20.98% |
| Net interest margin (YTD) | 5.25% |
| Equity to assets | 11.63% |
| Tier 1 leverage ratio | 11.68% |
| Uninsured deposits (share of deposits) | 19.3% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 108.7% |
| Real estate loans (share of loans) | 88.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $308.05M | 88.4% | |
| Commercial & industrial | $37.67M | 10.8% | |
| Consumer / individual | $4.07M | 1.2% | |
| Construction & development | $24.50M | 7.0% | |
| Agricultural | $349.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $254.67M | $220.48M | $2.15M | $28.32M |
| Jun 2023 | $291.26M | $225.62M | $2.67M | $31.15M |
| Jun 2024 | $330.73M | $249.67M | $2.74M | $34.54M |
| Jun 2025 | $361.41M | $287.99M | $3.65M | $39.10M |
| Jun 2026 | $386.72M | $320.64M | $4.68M | $44.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $320.64M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $320.64M.
Similar-sized banks
Central Bank ($386.77M) · First National Bank & Trust Co. ($386.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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