Home Loan Savings Bank
Coshocton, Ohio · FDIC Cert #29695
Home Loan Savings Bank is an FDIC-insured bank (Certificate #29695) with $331M in total assets and $250M in total deposits as of the Q2 2024 Call Report. Headquartered in Coshocton, Ohio, the bank maintains a Tier 1 capital ratio of 13.36% (Well-Capitalized) and a nonperforming loan ratio of 0.17%. BankHealthData assigns a composite Health Grade of B (71/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Home Loan Savings Bank (FDIC cert 29695) is a community bank — $331M in total assets, $250M in deposits, serving the Coshocton, Ohio area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.36% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.17% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 6.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.27% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Home Loan Savings Bank carries a composite BankHealth grade of B (71/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Home Loan Savings Bank
- Total Assets
- $331M
- Total Deposits
- $250M
- Tier 1 Capital Ratio
- 13.36%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.17%
- Liquidity Ratio
- 6.15%
- Return on Assets
- 2.27%
- Headquarters
- Coshocton, Ohio
- FDIC Certificate
- #29695
- Health Grade
- B (71/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Home Loan Savings Bank holds a Tier 1 capital ratio of 13.36%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Home Loan Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Home Loan Savings Bank shows strong financial health indicators. With $331M in assets and a Health Score of 71/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Home Loan Savings Bank Compares
Home Loan Savings Bank’s Health Score of 71 is 4 points above the Ohio state average of 67 across 144 FDIC-insured banks. Its 13.36% Tier 1 capital ratio is 0.6 points below the US banking industry average near 14%. The 0.17% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.27% is in line with or above the national ROA benchmark of ~1.1%. Among 1591 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Home Loan Savings Bank is 1 points above the portfolio average of 70.
Frequently Asked Questions
Home Loan Savings Bank has a Bank Health Score of B (71/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.36%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Home Loan Savings Bank's Tier 1 capital ratio of 13.36% and nonperforming loan ratio of 0.17% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Home Loan Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29695). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Home Loan Savings Bank holds $331M in total assets and $250M in total deposits. It is headquartered in Coshocton, Ohio (FDIC Certificate #29695).
Home Loan Savings Bank has a Tier 1 capital ratio of 13.36%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.17%, and the return on assets is 2.27%.
Yes. Home Loan Savings Bank is FDIC-insured (Certificate #29695). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Home Loan Savings Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.