The Home Loan Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Home Loan Savings Bank of Coshocton, OH against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.60% | 1.34% | +1.26% | 95th top |
| ROAE | 22.12% | 13.32% | +8.80% | 92nd top |
| Net Interest Margin | 5.08% | 3.93% | +1.15% | 93rd top |
| Efficiency Ratio | 35.79% | 61.14% | -25.35% | 98th top |
| PPNR / Avg Assets | 3.42% | 1.68% | +1.74% | 98th top |
| Yield on Earning Assets | 7.03% | 5.67% | +1.36% | 95th top |
| Cost of Funds | 2.14% | 1.88% | +0.26% | 30th below |
| Net Interest Spread | 4.57% | 3.32% | +1.25% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.07% | 0.94% | +0.13% | 27th below |
| NPA / Total Assets | 0.98% | 0.70% | +0.28% | 21st bottom |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| ACL / NPLs (Coverage) | 115.35% | 1546.71% | -1431.36% | 32nd below |
| Texas Ratio | 8.96% | 7.34% | +1.62% | 25th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 229.33% | 1395.53% | -1166.20% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.63% | 19.49% | -4.86% | 45th below |
| Tier 1 Ratio | 14.63% | 19.52% | -4.89% | 45th below |
| Total Capital Ratio | 15.88% | 20.61% | -4.73% | 46th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.68% | 12.14% | -0.46% | 61st above |
| Equity / Assets | 11.63% | 11.36% | +0.27% | 68th above |
| TCE / Tangible Assets | 11.63% | 11.08% | +0.55% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.05% | 80.65% | +29.40% | 3rd bottom |
| Core Deposit Ratio | 82.11% | 86.85% | -4.74% | 21st bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.27% | 5.04% | -0.77% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.00% | 6.84% | +0.16% | 69th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.59% | 7.92% | -0.33% | 63rd above |
| Deposit Growth (Y/Y) | 11.34% | 6.29% | +5.05% | 86th top |
See The Home Loan Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Home Loan Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Home Loan Savings Bank profile, how to read a UBPR, or how this data updates.