The Home Loan Savings 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 66.42 percentage points lower than in Q1 2026, at 115.35%. On return on assets, The Home Loan Savings Bank ranks 5th highest among the 156 banks headquartered in Ohio, at 2.60% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The Home Loan Savings Bank reported 2.60% on return on assets in Q2 2026, 1.34 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.63% |
| Tier 1 risk-based capital ratio | 14.63% |
| Total risk-based capital ratio | 15.88% |
| Tier 1 leverage ratio | 11.68% |
| Equity capital to assets | 11.63% |
| Tangible equity to tangible assets | 11.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.07% |
| Non-performing assets ratio | 0.98% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 8.96% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 115.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.60% |
| Return on equity | 22.12% |
| Net interest margin | 5.08% |
| Efficiency ratio | 35.79% |
| Yield on earning assets | 7.03% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.05% |
| Core deposits to total deposits | 82.11% |
| Brokered deposits to total deposits | 11.70% |
| Deposits to assets | 82.91% |
| Securities to assets | 3.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.30% | 14.30% | 15.56% | 11.18% | 1.69% |
| Q4 2023 | 14.65% | 14.65% | 15.90% | 11.53% | 1.93% |
| Q1 2024 | 14.72% | 14.72% | 15.97% | 11.68% | 1.71% |
| Q2 2024 | 13.36% | 13.36% | 14.61% | 10.84% | 1.79% |
| Q3 2024 | 13.43% | 13.43% | 14.68% | 10.88% | 2.04% |
| Q4 2024 | 14.19% | 14.19% | 15.44% | 11.18% | 2.22% |
| Q1 2025 | 14.26% | 14.26% | 15.51% | 11.58% | 1.91% |
| Q2 2025 | 13.57% | 13.57% | 14.82% | 11.01% | 2.24% |
| Q3 2025 | 13.86% | 13.86% | 15.11% | 11.14% | 2.12% |
| Q4 2025 | 14.43% | 14.43% | 15.69% | 11.60% | 2.31% |
| Q1 2026 | 14.89% | 14.89% | 16.14% | 11.90% | 2.28% |
| Q2 2026 | 14.63% | 14.63% | 15.88% | 11.68% | 2.60% |
The Home Loan Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home Loan Savings 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 Home Loan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29695) · FFIEC NIC profile (RSSD 468673)