Home Savings Bank of Wapakoneta: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.14 percentage points lower than in Q1 2026, at 98.47%. Within Ohio, Home Savings Bank of Wapakoneta is 98th of 156 on return on assets, 0.84% as of Q2 2026, below the middle of the field. Home Savings Bank of Wapakoneta reported 0.84% on return on assets for Q2 2026, 0.14 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.40% |
| Equity capital to assets | 11.49% |
| Tangible equity to tangible assets | 11.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 7.20% |
| Net interest margin | 3.84% |
| Efficiency ratio | 71.25% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.47% |
| Core deposits to total deposits | 96.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.38% |
| Securities to assets | 8.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.56% | 0.61% | 3.54% | 0.00% | 0.00% |
| Q4 2023 | 13.77% | -0.17% | 3.43% | 0.00% | 0.00% |
| Q1 2024 | 13.53% | -0.09% | 3.23% | 0.00% | 0.00% |
| Q2 2024 | 13.17% | 0.22% | 3.40% | 0.00% | 0.00% |
| Q3 2024 | 12.90% | 0.08% | 3.28% | 0.00% | 0.00% |
| Q4 2024 | 12.73% | 0.44% | 3.35% | 0.00% | 0.00% |
| Q1 2025 | 12.01% | 0.14% | 3.23% | 0.00% | 0.00% |
| Q2 2025 | 12.39% | 0.57% | 3.30% | 0.00% | 0.00% |
| Q3 2025 | 12.74% | 0.60% | 3.62% | 0.00% | 0.00% |
| Q4 2025 | 12.68% | 0.41% | 3.68% | 0.00% | 0.00% |
| Q1 2026 | 12.79% | 0.26% | 3.63% | 0.00% | 0.00% |
| Q2 2026 | 12.40% | 0.84% | 3.84% | 0.00% | 0.00% |
Home Savings Bank of Wapakoneta vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings Bank of Wapakoneta, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home Savings Bank of Wapakoneta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30176) · FFIEC NIC profile (RSSD 868572)