BlastPoint's Banking Scorecard
Home Savings Bank of Wapakoneta
Micro
Specialty: Mortgage
OH
FDIC cert 30176
Designations: ✓ Community bank ✓ Mutual
Wapakoneta, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Home Savings Bank of Wapakoneta has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.76% above tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.4M
-2.2% YoY
+0.6% QoQ
|
-$176.1M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$36.0M
+3.5% YoY
+1.2% QoQ
|
-$103.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$34.2M
+5.2% YoY
+2.1% QoQ
|
-$149.5M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.43%
+156.3% YoY
-1.3% QoQ
|
-0.65% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.57%
+5.8% YoY
+2.2% QoQ
|
-0.29% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
83.94%
-8.7% YoY
+0.7% QoQ
|
+16.22% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
105.29%
-1.6% YoY
-0.9% QoQ
|
+30.76% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.07%
-15.8% YoY
-4.5% QoQ
|
-5.33% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% 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 ? |
0.06%
-15.4% YoY
+32.5% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
105.29%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.07% · Tier avg: 22.39%
16
16th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 83.94% · Tier avg: 67.73%
13
13th pctile
Total Loans
Current: $36.0M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $34.2M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $41.4M · Tier avg: $217.5M
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.29% · Tier avg: 74.53%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.29% · Tier avg: 74.53%
5
5th pctile
Total Assets
Current: $41.4M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $34.2M · Tier avg: $183.7M
13
13th pctile
Total Loans
Current: $36.0M · Tier avg: $139.2M
14
14th pctile
Efficiency Ratio
Current: 83.94% · Tier avg: 67.73%
16
16th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.08%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.07% · Tier avg: 22.39%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%