BlastPoint's Banking Scorecard
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC
Micro
Specialty: Commercial
OH
FDIC cert 29571
Designations: ✓ Community bank ✓ Mutual
Kenton, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.43% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.25% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$240.4M
+8.0% YoY
+2.2% QoQ
|
+$22.9M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$192.0M
+10.6% YoY
+3.7% QoQ
|
+$52.9M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$188.3M
+7.8% YoY
+1.3% QoQ
|
+$4.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.54%
+17.1% YoY
+15.7% QoQ
|
-0.55% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.51%
+5.7% YoY
+1.1% QoQ
|
-0.34% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
76.96%
-6.3% YoY
-4.1% QoQ
|
+9.24% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
1.62%
-9.3% YoY
-0.5% QoQ
|
+0.98% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
101.96%
+2.6% YoY
+2.3% QoQ
|
+27.43% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.15%
+26.7% YoY
-9.3% QoQ
|
-19.25% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
1.29%
-7.1% YoY
+0.7% QoQ
|
+0.84% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.29%
+12.3% YoY
+44.7% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
101.96%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.15%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.96% · Tier avg: 74.53%
72
72th pctile
Total Loans
Current: $192.0M · Tier avg: $139.2M
60
60th pctile
Total Assets
Current: $240.4M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $188.3M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
25
25th pctile
Efficiency Ratio
Current: 76.96% · Tier avg: 67.73%
20
20th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.08%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.15% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.15% · Tier avg: 22.39%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
20
20th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.08%
25
25th pctile
Efficiency Ratio
Current: 76.96% · Tier avg: 67.73%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Total Deposits
Current: $188.3M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $240.4M · Tier avg: $217.5M
72
72th pctile
Total Loans
Current: $192.0M · Tier avg: $139.2M
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.96% · Tier avg: 74.53%