The Hamler State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 3.76 percentage points in Q2 2026, from 77.28% to 81.04%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Hamler State Bank is 29th of 156 on return on assets, 1.47% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Hamler State Bank sits 0.22 points higher, at 1.47% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.34% |
| Equity capital to assets | 13.51% |
| Tangible equity to tangible assets | 13.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.71% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 81.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 11.12% |
| Net interest margin | 2.94% |
| Efficiency ratio | 48.45% |
| Yield on earning assets | 4.95% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.04% |
| Core deposits to total deposits | 93.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.69% |
| Securities to assets | 16.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.00% | 1.82% | 3.04% | 0.08% | 0.00% |
| Q4 2023 | 16.14% | 0.48% | 2.86% | 0.07% | 0.00% |
| Q1 2024 | 15.32% | 0.56% | 2.27% | 1.74% | 0.00% |
| Q2 2024 | 15.39% | 1.10% | 2.35% | 2.60% | 0.00% |
| Q3 2024 | 15.24% | 1.27% | 2.47% | 2.50% | 0.00% |
| Q4 2024 | 15.35% | 1.24% | 2.56% | 2.43% | 0.00% |
| Q1 2025 | 14.36% | 0.54% | 2.46% | 2.61% | 0.00% |
| Q2 2025 | 14.49% | 0.51% | 2.72% | 2.42% | -0.09% |
| Q3 2025 | 14.65% | 1.67% | 2.79% | 1.73% | 2.98% |
| Q4 2025 | 14.73% | 0.88% | 2.87% | 1.50% | 0.03% |
| Q1 2026 | 14.02% | 1.03% | 2.74% | 1.44% | 0.00% |
| Q2 2026 | 14.34% | 1.47% | 2.94% | 1.38% | 0.00% |
The Hamler State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hamler State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Hamler State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14920) · FFIEC NIC profile (RSSD 887827)