Home Savings and Loan Company of Kenton, Ohio, the dba HSLC: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Savings and Loan Company of Kenton, Ohio, the dba HSLC of Kenton, OH against its peer group of 2672 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 | 1.39% | 1.35% | +0.04% | 57th above |
| ROAE | 8.20% | 12.06% | -3.86% | 27th below |
| Net Interest Margin | 3.76% | 3.90% | -0.14% | 40th below |
| Efficiency Ratio | 60.95% | 63.15% | -2.20% | 51st above |
| PPNR / Avg Assets | 1.65% | 1.64% | +0.01% | 54th above |
| Yield on Earning Assets | 6.22% | 5.65% | +0.57% | 78th top |
| Cost of Funds | 2.70% | 1.85% | +0.85% | 11th bottom |
| Net Interest Spread | 3.31% | 3.35% | -0.04% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.08% | 0.92% | +0.16% | 26th below |
| NPA / Total Assets | 0.85% | 0.67% | +0.18% | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) | 98.85% | 1645.80% | -1546.95% | 27th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.00% | 7.15% | -2.15% | 41st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 314.29% | 1189.73% | -875.44% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.11% | 12.46% | +4.65% | 93rd top |
| Equity / Assets | 17.33% | 11.67% | +5.66% | 94th top |
| TCE / Tangible Assets | 17.14% | 11.40% | +5.74% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.87% | 78.64% | +20.23% | 13th bottom |
| Core Deposit Ratio | 83.58% | 87.09% | -3.51% | 26th below |
| Wholesale Funding Ratio | 2.60% | 5.11% | -2.51% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.19% | 6.47% | -1.28% | 56th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.12% | 7.64% | -1.52% | 55th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.30% | 6.02% | -0.72% | 60th above |
See Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's peers by name
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Unlock Home Savings and Loan Company of Kenton, Ohio, the dba HSLC, 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 Home Savings and Loan Company of Kenton, Ohio, the dba HSLC profile, how to read a UBPR, or how this data updates.