Total Assets
$240M
Total balance-sheet footings
FDIC Cert #29571 · Kenton, Ohio · Est. 1888
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC - FDIC Bank Health Profile
A community-scale look at The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's own numbers, pulled straight from its quarterly FDIC Call Report.
- $240M
- Total assets
- B
- Health grade · Good
- 0.54%
- Return on assets
- 17.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC earns a PlainBankData health grade of B (74/100), with well-capitalized at 17.16% Tier 1, 0.54% ROA, 77% efficiency ratio.
- #2,794
- largest of 4,313 FDIC banks by assets
- 35th
- percentile by asset size, nationally
- 17.16%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's composite health score
Tier 1 Capital Ratio (17.16%) 40/40
Return on Assets (ROA) (0.54%) 14/25
Texas Ratio (7.19%) 16/20
Efficiency Ratio (76.96%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$188M
Customer-funded liabilities
Net Loans
$192M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's score of 74/100 falls in the highlighted band.
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's $240M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.16%
Texas Ratio
7.19%
Equity Capital
$41M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
3.08%
Efficiency Ratio
76.96%
What the numbers say about The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC is an FDIC-insured institution (Certificate #29571) headquartered in Kenton, Ohio, established in 1888. It holds $240M in total assets - 2,794th of 4,313 FDIC-insured banks, $188M in customer deposits, and $192M in net loans. Its capital position: a Tier 1 ratio of 17.16%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.19% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC sits 93rd of 158 banks headquartered in Ohio by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$701K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC reports a Texas Ratio of 7.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC (FDIC Cert #29571) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's health grade?▼
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC?▼
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC holds $240M in total assets and $188M in deposits, ranking 2,794th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kenton, Ohio.
Is my money safe at The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC?▼
Yes, deposits at The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC (Certificate #29571) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's Tier 1 Capital Ratio?▼
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC has a Tier 1 Capital Ratio of 17.16%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC?▼
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC has a Texas Ratio of 7.19%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC?▼
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC has an Efficiency Ratio of 76.96%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's profile as a depositor or analyst.
- The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.