TellerScore

Headquartered in Coshocton, Ohio, The Home Loan Savings Bank is a savings association with $386.7M in total assets and $320.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1882.

The Home Loan Savings Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 36th. Earnings contributes the most (100/100, 2.45%); funding & liquidity contributes the least (47/100, 109% loans-to-deposits, 19% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.68%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings100/100
Return on assets (annualized): 2.45%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 108.7% · 19.3% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.16%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (75 → 77), mostly because the capital cushion component improved by 7 points.

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202473
Q4 202478
Q1 202576
Q2 202575
Q3 202572
Q4 202575
Q1 202680
Q2 202677
Tier 1 leverage ratio
5.00%8.45%11.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.84%
Q3 202410.88%
Q4 202411.18%
Q1 202511.58%
Q2 202511.01%
Q3 202511.14%
Q4 202511.60%
Q1 202611.90%
Q2 202611.68%
Noncurrent loans
0.17%0.54%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.56%
Q4 20240.27%
Q1 20250.55%
Q2 20250.53%
Q3 20250.91%
Q4 20250.73%
Q1 20260.34%
Q2 20260.58%
Return on assets
1.75%2.10%2.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.75%
Q3 20241.85%
Q4 20241.95%
Q1 20251.90%
Q2 20252.07%
Q3 20252.09%
Q4 20252.15%
Q1 20262.29%
Q2 20262.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$386.7M11.68%0.58%2.45%108.7%
Q1 202680$383.2M11.90%0.34%2.29%110.3%
Q4 202575$376.0M11.60%0.73%2.15%110.3%
Q3 202572$370.1M11.14%0.91%2.09%112.7%
Q2 202575$361.4M11.01%0.53%2.07%112.5%
Q1 202576$351.9M11.58%0.55%1.90%113.9%
Q4 202478$344.4M11.18%0.27%1.95%112.0%
Q3 202473$342.1M10.88%0.56%1.85%115.9%
Q2 202476$330.7M10.84%0.17%1.75%118.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.68%
61st
Total risk-based capital15.88%
73rd
Problem loans0.58%
42nd
Net charge-offs0.09%
22nd
Return on assets2.45%
95th
Net interest margin5.25%
95th
Efficiency ratio39.8%
96th
Loans to deposits108.7%
4th
Uninsured deposits19.3%
67th
Loan-loss reserves1.23%
55th
Texas ratio4.2%
40th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Fahey Banking CompanyBank Marion, OH63 out of 100, Moderate$384.7M16.1%3.83%vs
The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH78 out of 100, Strong$389.9M12.6%0.01%vs
First Federal Community Bank of BucyrusBank Bucyrus, OH62 out of 100, Moderate$373.8M8.1%0.16%vs
GreenWay BankBank Van Wert, OH59 out of 100, Moderate$402.3M8.5%0.20%vs
Farmers & Merchants BankBank Miamisburg, OH74 out of 100, Strong$359.4M12.2%1.04%vs
The Hocking Valley BankBank Athens, OH77 out of 100, Strong$354.0M11.4%0.54%vs

Deposit insurance

Is my money safe at The Home Loan Savings Bank?

Yes. The Home Loan Savings Bank is an FDIC-insured institution (FDIC certificate #29695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.3% of deposits ($62.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.88% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

The Home Loan Savings Bank lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Home Loan Savings Bank reported 190 home-loan applications under HMDA (LEI 254900DA567RNGIZFJ78): 177 originated ($37,945,000 total), 5 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Home Loan Savings Bank
Former names
Home Loan and Savings Company
Type
Savings association
FDIC certificate #
29695
RSSD ID
468673
Primary regulator
FDIC
Holding company
Home Loan Financial Corp
Established
January 1, 1882
Headquarters
413 Main St, Coshocton, OH 43812
Employees
54

Quick answers

The Home Loan Savings Bank: common questions

Is The Home Loan Savings Bank FDIC insured?

Yes. The Home Loan Savings Bank is an FDIC-insured institution (FDIC certificate #29695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Home Loan Savings Bank's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Home Loan Savings Bank ever failed?

There is no failure record for FDIC certificate #29695 in the FDIC failed bank list.

How many branches does The Home Loan Savings Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Coshocton

InstitutionScoreAssetsCapitalProblem loansCompare
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Dover-Phila Federal Credit UnionCredit union Dover, OH83 out of 100, Strong$812.6M13.3%0.91%vs
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs
First Federal Community Bank, National AssociationBank Dover, OH75 out of 100, Strong$994.6M9.4%0.08%vs
The Community BankBank Zanesville, OH74 out of 100, Strong$680.1M10.6%0.23%vs
The Killbuck Savings Bank CompanyBank Killbuck, OH73 out of 100, Strong$953.8M9.5%0.01%vs