Home Savings and Loan Company of Kenton, Ohio, the dba HSLC
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC is an FDIC-insured commercial bank headquartered in Kenton, OH, supervised by the FDIC, with $245.0M in total assets at Q2 2026, up 5.2% from Q2 2025, the 92nd largest of 154 banks headquartered in Ohio. It was established in 1888 and holds FDIC certificate 29571. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.11% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29571
- Headquarters
- Kenton, OH
- Established
- 1888
- Total assets, Q2 2026
- $245.0M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 17.11%
- Domestic offices
- 3 · Home Savings and Loan Company of Kenton, Ohio, the dba HSLC branches FDIC institution directory, current count
- Routing number
- 241271203
- Safety and soundness
- Is Home Savings and Loan Company of Kenton, Ohio, the dba HSLC safe?
- Latest call report
- Q2 2026, FFIEC 051 · Home Savings and Loan Company of Kenton, Ohio, the dba HSLC Q3 2026 call report, filed October 20, 2026 (preliminary)
- Asset rank in state
- 92nd of 154 in Ohio
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC carries far more capital than most banks of its size. It reported $245 million in assets at June 30, 2026, up 5.2% from a year earlier. It funds 17.11% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it pays an average of 2.70% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
The commercial and industrial book ($26 million) is worsening: 7.58% of it is past due or on nonaccrual, up from 4.11% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.14% of loans, down from 1.45% a year earlier.
As of June 30, 2026, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC reported a return on assets of 1.39%, a nonperforming-loan ratio of 1.14% and a Texas ratio of 5.00%. The figures come from its call report filed with the FFIEC.
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC ranks as the 92nd largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $245.0M, loans fell 2.3% and deposits fell 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.3% of total loans, followed by owner-occupied commercial real estate loans at 17.3%. Its 3 offices in the FDIC Summary of Deposits are in Kenton, OH and Lexington, KY; its Kenton office books 84% of its branch deposits. Judged on its Q2 2026 call report, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 116 E Franklin St, Kenton, OH 43326
- County
- Hardin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Former names
- The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC (2023); The Home Savings and Loan Company of Kenton, Ohio (1991-2023)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $194.4M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $35K
- Average total assets
- $247.6M
- Average total loans
- $191.8M
- Average interest-bearing deposits
- $195.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29571
- Fed RSSD
- 296474
- Website
- www.hslc.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's total assets moved between a low of $208.0M (Q3 2023) and a high of $247.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$245.0M total assets against $232.9M; $202.6M total liabilities against $192.8M.
$190.1M net loans and leases against $179.2M; $194.4M total deposits against $184.6M.
$20.5M securities against $18.3M; $19.9M cash and balances due against $21.5M.
$3.6M total interest income against $3.2M; $1.4M total interest expense against $1.3M.
$2.2M net interest income against $1.9M.
$537K total noninterest income against $146K; $1.7M total noninterest expense against $1.7M.
$80K provision for credit losses against $20K.
$862K net income against $278K.
1.39% return on assets against 0.48%; 3.76% net interest margin against 3.51%.
17.11% tier 1 leverage ratio against 17.49%.
Inside the full Home Savings and Loan Company of Kenton, Ohio, the dba HSLC terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHome Savings and Loan Company of Kenton, Ohio, the dba HSLC rankings
Its closest position to the top of a national ranking is 1,342 of 3,640, for Texas Ratio; its furthest is 2,731 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.39% (Q1 2025) to 1.39% (Q2 2026) and its net interest margin ran from 3.28% (Q4 2024) to 3.76% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.11% | 1.39% | 1.14% | 5.00% | 3.76% |
| Q1 2026 | 16.98% | 0.66% | 1.51% | 6.91% | 3.49% |
| Q4 2025 | 17.16% | 0.74% | 1.60% | 7.30% | 3.63% |
| Q3 2025 | 17.29% | 0.51% | 1.61% | 7.19% | 3.45% |
| Q2 2025 | 17.49% | 0.48% | 1.45% | 6.36% | 3.51% |
| Q1 2025 | 17.84% | 0.39% | 1.39% | 6.37% | 3.45% |
| Q4 2024 | 17.91% | 0.46% | 1.77% | 7.62% | 3.28% |
| Q3 2024 | 18.23% | 0.50% | 1.26% | 5.36% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Home Savings and Loan Company of Kenton, Ohio, Dba Hslc | Kenton , OH | 43326 | $162.6M |
| Lexington Hamburg Branch | Lexington , KY | 40509 | $16.2M |
| Lexington Wellington Branch | Lexington , KY | 40503 | $15.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 118 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Home Savings and Loan Company of Kenton, Ohio, the dba HSLC
What are Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's total assets?
As of the Q2 2026 filing, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC reported total assets of $245.0 million in its FFIEC call report.
Where is Home Savings and Loan Company of Kenton, Ohio, the dba HSLC headquartered?
It is headquartered in Kenton, OH, United States.
When was Home Savings and Loan Company of Kenton, Ohio, the dba HSLC founded?
It was established in 1888, per the FDIC institution directory.
Is Home Savings and Loan Company of Kenton, Ohio, the dba HSLC FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29571). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Savings and Loan Company of Kenton, Ohio, the dba HSLC?
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's primary federal regulator is the FDIC.
How many branches does Home Savings and Loan Company of Kenton, Ohio, the dba HSLC operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's Texas Ratio?
Its Texas Ratio is 5.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Home Savings and Loan Company of Kenton, Ohio, the dba HSLC previously called?
The charter now named Home Savings and Loan Company of Kenton, Ohio, the dba HSLC has also operated as The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC (2023), The Home Savings and Loan Company of Kenton, Ohio (1991-2023), per FDIC structure-change records.
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