Bank Comparison
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC vs First National Bank in Trinidad
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Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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winning metrics across 13 scored rows
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Capital adequacy
| Metric | Home Savings and Loan Company of Kenton, Ohio, the dba HSLC | First National Bank in Trinidad |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.11% | 10.89% |
| Equity / Assets | 17.33% | 6.44% |
Profitability
| Metric | Home Savings and Loan Company of Kenton, Ohio, the dba HSLC | First National Bank in Trinidad |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 0.60% |
| Return on Equity (ROE) | 8.20% | 9.87% |
| Net Interest Margin (NIM) | 3.76% | 3.58% |
| Yield on Earning Assets | 6.22% | 4.34% |
| Cost of Funds | 2.70% | 0.78% |
Asset quality
| Metric | Home Savings and Loan Company of Kenton, Ohio, the dba HSLC | First National Bank in Trinidad |
|---|---|---|
| Texas Ratio | 5.00% | 7.35% |
| Non-Performing Loan Ratio | 1.14% | 0.95% |
| Non-Performing Asset Ratio | 0.90% | 0.54% |
| Net Charge-Off Ratio | 0.07% | 0.00% |
| ACL / Loans | 1.07% | 1.54% |
Balance sheet
| Metric | Home Savings and Loan Company of Kenton, Ohio, the dba HSLC | First National Bank in Trinidad |
|---|---|---|
| Total Assets | $245.0M | $250.5M |
| Total Deposits | $194.4M | $234.3M |
| Total Loans | $192.2M | $140.8M |
| Total Equity | $42.5M | $16.1M |
| Net Income (quarter) | $862K | $385K |
Liquidity & funding
| Metric | Home Savings and Loan Company of Kenton, Ohio, the dba HSLC | First National Bank in Trinidad |
|---|---|---|
| Loan-to-Deposit Ratio | 98.87% | 60.08% |
| Core Deposit Ratio | 83.58% | 99.42% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Savings and Loan Company of Kenton, Ohio, the dba HSLC | First National Bank in Trinidad |
|---|---|---|
| Headquarters City | Kenton | Trinidad |
| Headquarters State | OH | CO |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 29 | 64 |
| Established | January 1, 1888 | April 16, 1875 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Home Savings and Loan Company of Kenton, Ohio, the dba HSLC profile | View full First National Bank in Trinidad profile | Browse all bank comparisons