Side-by-side · Q2 2026 data
Civista Bank vs The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC
Bank
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC
Kenton, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Civista Bank | The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 69 (stronger) | 62 |
| Earnings | 78 (stronger) | 61 |
| Funding & liquidity | 64 (stronger) | 58 |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 77th | 61st |
| Total assets | $4.3B | $245.0M |
| Deposits / shares | $3.5B | $194.4M |
| Capital ratio | 12.71% | 17.11% (stronger) |
| Problem loans | 0.92% (stronger) | 1.14% |
| Net charge-offs | 0.05% | 0.04% (stronger) |
| Return on assets | 1.45% (stronger) | 1.03% |
| Loans ÷ deposits | 92.4% (stronger) | 97.8% |
| Uninsured deposits | 18.3% (stronger) | 19.2% |
| Offices | 42 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Civista Bank leads on 4 and The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.