Home Savings Bank of Wapakoneta: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Savings Bank of Wapakoneta of Wapakoneta, OH against its peer group of 506 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 | 0.84% | 3.13% | -2.29% | 40th below |
| ROAE | 7.20% | 10.30% | -3.10% | 43rd below |
| Net Interest Margin | 3.84% | 3.94% | -0.10% | 48th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 71.25% | 76.32% | -5.07% | 47th below |
| PPNR / Avg Assets | 1.09% | 1.40% | -0.31% | 44th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.25% | 5.35% | -0.10% | 51st above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.67% | 1.70% | -0.03% | 44th below |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.73% | 1.49% | -0.76% | 12th bottom |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.40% | 17.65% | -5.25% | 43rd below |
| Equity / Assets | 11.49% | 16.45% | -4.96% | 41st below |
| TCE / Tangible Assets | 11.49% | 16.20% | -4.71% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.47% | 72.80% | +25.67% | 11th bottom |
| Core Deposit Ratio | 96.17% | 88.27% | +7.90% | 77th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.74% | 5.18% | -0.44% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.66% | 4.25% | +5.41% | 82nd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.09% | 6.75% | -0.66% | 65th above |
| Deposit Growth (Y/Y) | 10.24% | 3.71% | +6.53% | 85th top |
See Home Savings Bank of Wapakoneta's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Savings Bank of Wapakoneta, 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 Bank of Wapakoneta profile, how to read a UBPR, or how this data updates.