Bank Safety Analysis
Is Home Savings and Loan Company of Kenton, Ohio, the dba HSLC Safe? Kenton, Ohio
Based 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, its Texas ratio is 5.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Home Savings and Loan Company of Kenton, Ohio, the dba HSLC safe?
On its Q2 2026 call report, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's Community Bank Leverage Ratio is 17.11%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 17.11%
- Texas ratio (Q2 2026): 5.00%
- Noncurrent loans ratio (Q2 2026): 1.14%
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC is an FDIC-insured commercial bank (FDIC Certificate #29571). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Home Savings and Loan Company of Kenton, Ohio, the dba HSLC (FDIC Certificate #29571) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Return on assets climbed 0.74 percentage points in Q2 2026, from 0.66% to 1.39%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC is 18th of 154 on leverage ratio, 17.11% as of Q2 2026. Against a median of 10.95% for banks in the $100M-1B asset tier, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC reported 17.11% on leverage ratio in Q2 2026, 6.15 points higher. From Q3 2023 to Q2 2026, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's Texas ratio ranged between 1.49% (Q2 2024) and 7.62% (Q4 2024). Between Q2 2025 and Q2 2026, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.45% to 1.14%, Texas ratio fell from 6.36% to 5.00% and return on assets rose from 0.48% to 1.39%.
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. 1-4 family residential loans are its largest loan category, $79.3M of $192.2M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's community bank leverage ratio of 17.11% is above the 10.95% median, nonperforming loans ratio of 1.14% is above the 0.41% median, Texas ratio of 5.00% is above the 2.65% median, and efficiency ratio of 60.95% is below the 61.41% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Home Savings and Loan Company of Kenton, Ohio, the dba HSLC score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does Home Savings and Loan Company of Kenton, Ohio, the dba HSLC trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 5.00% | Within range |
| Non-performing loan ratio BankRegReports band | 1.14% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 98.87% | Within range |
| Commercial real estate to capital supervisory threshold | 83.44% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.00% |
| Q1 2026 | 6.91% |
| Q4 2025 | 7.30% |
| Q3 2025 | 7.19% |
| Q2 2025 | 6.36% |
| Q1 2025 | 6.37% |
| Q4 2024 | 7.62% |
| Q3 2024 | 5.36% |
| Q2 2024 | 1.49% |
| Q1 2024 | 2.25% |
| Q4 2023 | 2.95% |
| Q3 2023 | 2.96% |
Loans by type, Q2 2026
- 1-4 family residential loans: $79.3M
- Owner-occupied commercial real estate loans: $33.3M
- Commercial and industrial loans: $25.6M
- Multifamily loans: $14.1M
- Non-owner-occupied commercial real estate loans: $12.1M
- Construction and land development loans: $10.7M
- Other consumer loans: $4.2M
- Agricultural production loans: $2.2M
How have Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $245.0M | 17.11% | 1.14% | 5.00% | 60.95% |
| Mar 31, 2026 | $247.8M | 16.98% | 1.51% | 6.91% | 73.08% |
| Dec 31, 2025 | $240.4M | 17.16% | 1.60% | 7.30% | 67.82% |
| Sep 30, 2025 | $235.3M | 17.29% | 1.61% | 7.19% | 77.46% |
| Jun 30, 2025 | $232.9M | 17.49% | 1.45% | 6.36% | 79.82% |
| Mar 31, 2025 | $227.6M | 17.84% | 1.39% | 6.37% | 82.81% |
| Dec 31, 2024 | $222.6M | 17.91% | 1.77% | 7.62% | 80.52% |
| Sep 30, 2024 | $220.6M | 18.23% | 1.26% | 5.36% | 79.99% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Home Savings and Loan Company of Kenton, Ohio, the dba HSLC FDIC insured?
Yes. Home Savings and Loan Company of Kenton, Ohio, the dba HSLC is an FDIC-insured commercial bank (FDIC Certificate #29571). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Home Savings and Loan Company of Kenton, Ohio, the dba HSLC well capitalized?
On its Q2 2026 call report, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's Community Bank Leverage Ratio is 17.11%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Home Savings and Loan Company of Kenton, Ohio, the dba HSLC's key safety ratios?
For Q2 2026, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC reports leverage 17.11%, Texas ratio 5.00%, noncurrent loans 1.14%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if Home Savings and Loan Company of Kenton, Ohio, the dba HSLC fails?
For Q2 2026, Home Savings and Loan Company of Kenton, Ohio, the dba HSLC reported $194.4M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Home Savings and Loan Company of Kenton, Ohio, the dba HSLC profile.
How we score this
Home Savings and Loan Company of Kenton, Ohio, the dba HSLC elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.