BlastPoint's Banking Scorecard
THE HOME LOAN SAVINGS BANK
Micro
Specialty: Commercial
OH
FDIC cert 29695
Designations: ✓ Community bank
Coshocton, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
THE HOME LOAN SAVINGS BANK shows strong momentum with 4 strengths and 9.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.06% above tier
- + Net Interest Margin 1.29% above tier
- + Efficiency Ratio 24.38% below tier
- + Loan-to-Deposit Ratio 35.74% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$376.0M
+9.2% YoY
+1.6% QoQ
|
+$158.5M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$338.9M
+9.7% YoY
+2.3% QoQ
|
+$199.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$307.4M
+11.4% YoY
+4.5% QoQ
|
+$123.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
2.15%
+10.0% YoY
+2.8% QoQ
|
+1.06% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
5.14%
+5.6% YoY
+1.3% QoQ
|
+1.29% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
43.35%
-3.8% YoY
-4.2% QoQ
|
-24.38% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.73%
+165.8% YoY
-19.9% QoQ
|
+0.09% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
110.27%
-1.6% YoY
-2.2% QoQ
|
+35.74% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.14%
-7.5% YoY
-11.7% QoQ
|
-10.25% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.66%
+167.0% YoY
-19.4% QoQ
|
+0.21% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
14.43%
+1.7% YoY
+4.1% QoQ
|
+5.58% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.37%
+3.7% YoY
+55.1% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.15%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.14%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.35%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
110.27%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
97
97th pctile
Total Loans
Current: $338.9M · Tier avg: $139.2M
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.27% · Tier avg: 74.53%
96
96th pctile
Efficiency Ratio
Current: 43.35% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
85
85th pctile
Total Assets
Current: $376.0M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $307.4M · Tier avg: $183.7M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.43% · Tier avg: 8.85%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
36
36th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.14% · Tier avg: 22.39%
Top Weaknesses
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.14% · Tier avg: 22.39%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
36
36th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.43% · Tier avg: 8.85%
82
82th pctile
Total Deposits
Current: $307.4M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $376.0M · Tier avg: $217.5M
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.35% · Tier avg: 67.73%
97
97th pctile
Loan-to-Deposit Ratio
Current: 110.27% · Tier avg: 74.53%
97
97th pctile
Total Loans
Current: $338.9M · Tier avg: $139.2M