HAMLER STATE BANK, THE

HAMLER, OH | Small | Est. Jan. 1, 1921, midnight | FDIC #14920 | RSSD #887827 | FED
Latest Report: 2025-12-31

HAMLER STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in HAMLER, OH, established in Jan. 1, 1921, midnight. As of 2025-12-31, the bank reported total assets of $121M and total deposits of $103M. Profitability stands at 0.89% ROA and 6.42% ROE, with a net interest margin of 3.13%. The bank's CET1 capital ratio is 13.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.50% and a Texas Ratio of 7.54%. FDIC Certificate #14920.

Assets

$121M

Deposits

$103M

Loans

$84M

Equity

$17M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 6.42%
Net Interest Margin (NIM) 3.13%
Yield on Assets 5.37%
Cost of Funds 2.42%

Asset Quality

NPL Ratio 1.50%
Net Charge-Off Ratio 0.71%
Texas Ratio 7.54%
NPA Ratio 1.11%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 13.95%
Tier 1 Capital 13.95%
Total Capital Ratio 14.64%
Leverage Ratio 14.73%
Loan-to-Deposit 81.08%

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