Home Savings Bank of Wapakoneta
Also written as HSB of Wapakoneta
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Data as of · sourced from FFIEC call reports. How we update
Home Savings Bank of Wapakoneta is an FDIC-insured commercial bank headquartered in Wapakoneta, OH, established in 1941 (FDIC certificate 30176), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $45.3M, up 9.7% from Q2 2025, the 150th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30176
- Headquarters
- Wapakoneta, OH
- Established
- 1941
- Total assets, Q2 2026
- $45.3M
- Assets vs Q2 2025
- +9.7%
- Tier 1 leverage ratio, Q2 2026
- 12.40%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 242374361
- Latest call report
- Q2 2026, FFIEC 051 · Home Savings Bank of Wapakoneta Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 150th of 154 in Ohio
Home Savings Bank of Wapakoneta, based in Wapakoneta, Ohio, reported $45 million in assets at June 30, 2026, up 9.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 1.9%). It also grew deposits 10.2% over the year, 4.1 times the median of 2.5% for banks its size.
Earnings jumped: net income for the quarter was $93,000, 55% above the same quarter a year earlier. Over the same year, loans grew 6.1% and deposits grew 10.2%.
As of June 30, 2026, Home Savings Bank of Wapakoneta reported a return on assets of 0.84%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Home Savings Bank of Wapakoneta is the 150th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.5% to $45.3M, loans rose 1.7% and deposits rose 7.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 87.5% of total loans, followed by non-owner-occupied commercial real estate loans at 7.6%. Its one office in the FDIC Summary of Deposits is in Wapakoneta, OH. Judged on its Q2 2026 call report, Home Savings Bank of Wapakoneta meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1 S Blackhoof St, Wapakoneta, OH 45895
- County
- Auglaize
- Metro Area
- Wapakoneta, OH
- 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
- November 24, 1941
- Former names
- The Home Savings and Loan Association (1996-1998)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $37.8M
- Allowance for credit losses
- $270K
- Net charge-offs (YTD)
- $0
- Average total assets
- $44.0M
- Average total loans
- $36.7M
- Average interest-bearing deposits
- $29.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30176
- Fed RSSD
- 868572
- Website
- www.homesavings-wapak.com →
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. 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 Bank of Wapakoneta reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Home Savings Bank of Wapakoneta's total assets ranged from $37.2M (Q4 2023) to $45.3M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$45.3M total assets against $41.3M; $40.1M total liabilities against $36.4M.
$36.9M net loans and leases against $34.8M; $37.8M total deposits against $34.3M.
$3.7M securities against $4.3M; $3.9M cash and balances due against $1.3M.
$572K total interest income against $515K; $154K total interest expense against $163K.
$418K net interest income against $352K.
$4K total noninterest income against $6K; $302K total noninterest expense against $281K.
$3K provision for credit losses against $2K.
$93K net income against $60K.
0.84% return on assets against 0.57%; 3.84% net interest margin against 3.30%.
12.40% tier 1 leverage ratio against 12.39%.
Inside the full Home Savings Bank of Wapakoneta terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.08% (Q3 2024) to 0.84% (Q2 2026) and its net interest margin ran from 3.23% (Q1 2025) to 3.84% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.40% | 0.84% | 0.00% | 0.00% | 3.84% |
| Q1 2026 | 12.79% | 0.26% | 0.00% | 0.00% | 3.63% |
| Q4 2025 | 12.68% | 0.41% | 0.00% | 0.00% | 3.68% |
| Q3 2025 | 12.74% | 0.60% | 0.00% | 0.00% | 3.62% |
| Q2 2025 | 12.39% | 0.57% | 0.00% | 0.00% | 3.30% |
| Q1 2025 | 12.01% | 0.14% | 0.00% | 0.00% | 3.23% |
| Q4 2024 | 12.73% | 0.44% | 0.00% | 0.00% | 3.35% |
| Q3 2024 | 12.90% | 0.08% | 0.00% | 0.00% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Home Savings Bank of Wapakoneta (main office) | Wapakoneta , OH | 45895 | $37.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 174 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 Bank of Wapakoneta
What are Home Savings Bank of Wapakoneta's total assets?
As of the Q2 2026 filing, Home Savings Bank of Wapakoneta reported total assets of $45.3 million in its FFIEC call report.
Where is Home Savings Bank of Wapakoneta headquartered?
It is headquartered in Wapakoneta, OH, United States.
When was Home Savings Bank of Wapakoneta founded?
It was established in 1941, per the FDIC institution directory.
Is Home Savings Bank of Wapakoneta FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Savings Bank of Wapakoneta?
Home Savings Bank of Wapakoneta's primary federal regulator is the FDIC.
How many branches does Home Savings Bank of Wapakoneta operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Savings Bank of Wapakoneta's Texas Ratio?
Its Texas Ratio is 0.00% 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 Bank of Wapakoneta previously called?
The charter now named Home Savings Bank of Wapakoneta has also operated as The Home Savings and Loan Association (1996-1998), per FDIC structure-change records.
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