# HOME LOAN SAVINGS BANK
COSHOCTON, OH · FDIC certificate 29695 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $386.7M | |
| Deposits | $320.6M | |
| Loans and leases | $352.9M | |
| Total equity | $45.0M | |
| Loans / deposits | 108.69% (p96 of band) | 82.04% |
| Liquid assets / assets | 5.89% (p1 of band) | |
| Uninsured deposits / deposits | 19.34% (p26 of band) | 25.97% |
| Brokered deposits | 9.70% | |
| Wholesale funding | 13.97% (p85 of band) | |
| FHLB advances / assets | 4.27% | |
| Tier 1 leverage | 11.68% (p65 of band) | 10.81% |
| Unrealized securities loss / equity | -0.10% (p95 of band) | -8.10% |
| AOCI / equity | -0.16% (p61 of band) | |
| ROA (annualized) | 2.45% (p94 of band) | 1.28% |
| Net interest margin | 5.25% (p96 of band) | 3.91% |
| Efficiency ratio | 39.78% (p5 of band) | |
| Noncurrent loans | 0.58% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p81 of band) | |
| Reserve coverage of noncurrent | 211.73% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 54.46% (p60 of band) | |
| Auto loans | $2.4M (0.69% of loans; DQ 2.35%, NCO 0.00%) | |
| Loans to nondepository financials | $2.6M (6% of equity) (p94 of band) | |
| Deposits YoY | 11.3% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | reserve under noncurrent | loans exceed deposits |
| 2012-06 | 2 | loans exceed deposits |  |
| 2012-09 | 4 | liquid assets <10%, uninsured deposits leaving |  |
| 2012-12 | 3 |  | liquid assets <10% |
| 2013-03 | 3 | liquid assets <10% | uninsured deposits leaving |
| 2013-06 | 2 | charge-offs p90 | reserve under noncurrent, liquid assets <10% |
| 2013-09 | 3 | liquid assets <10% |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | charge-offs p90 |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | wholesale funding >15% |  |
| 2015-03 | 2 |  | wholesale funding >15% |
| 2015-06 | 3 | wholesale funding >15% |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | wholesale funding >15% |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2018-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2019-03 | 4 | charge-offs p90 |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 1 |  | loans exceed deposits, liquid assets <10%, reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 | liquid assets <10% | charge-offs p90 |
| 2022-09 | 2 | loans exceed deposits |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 4 | wholesale funding >15% |  |
| 2024-09 | 3 |  | charge-offs p90 |
| 2024-12 | 2 |  | wholesale funding >15% |
| 2025-03 | 3 | wholesale funding >15% |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | brokered >10% |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 2 |  | wholesale funding >15%, brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-02-15 [Home Loan suing city of Coshocton over water bill law - Coshocton Tribune](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNVFJnMGVHQXJPdEU0aFpuQV9SeHVfUnUzZGtodFVSQ3NtVjRZUmZEcTloUUtvdTNDTGwwOTFRZjJEQTZqT1NteXJ4TTBvQUoyb3ltbHVGUk5yejRuV1dDOHlMbmU3UVhOMUREbTBvUEdDZVg4c2FqZ2FOYmh5aWpycmhPYkx6WVNyeFFrUHc5TTJWd2tHT0x5TkYxLUFUMkg5VW1kUVoycC1MZGwtdmVMUmttQzVjMzRIbGdJb0pjWFQ?oc=5) · Coshocton Tribune
- 2022-05-19 [Trevor A Griffith Obituary May 19, 2022 - Miller Funeral Home and Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTE4tWWJ0TVVCNzdNZ3lVMS0tNGE2aVJiX0NNRVJub09RX2k1dF9EQVl0Q3FGWkFJZHZCblZiRmRCUVB0dmc0MjBUaHJDdzBvOEJRbmNwRDJzMzJpSm5uclpvWHRQWHBnMVIxa3lGUlFyS04?oc=5) · Miller Funeral Home and Crematory
- 2017-08-12 [HLFN Stock Price and Chart — OTC:HLFN - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTE16bUpCV3NEa3ZKc1RadVY2cEptZXJwMVdUXzN1alYtQk0zR252eGIxUnVRdHhybnk4cFlMaGJyY1hYUGlnQW5XVlAtdm5jYmdOWlFNSTVCR24?oc=5) · TradingView
- 2024-02-13 [More Banks Join Ohio Homebuyer Plus, Boosting Homeownership Opportunities - Scioto Post](https://news.google.com/rss/articles/CBMiogFBVV95cUxPaHJTRnUwVURFZ0VtMDROZTJBUHpsQ2pZWXJoRFBkaVdJZFdONkE5RnRtakM0M1FMLXo2Q0lwSm1lMjJ6cmlXQno5RGs4elJzTWE1aEN5dzhRaXZMQ2U5YkxjN24wcm1TMWJDbklWWS1sN3BYVFUzSVBGWXMtNzAxTnc4X3Q1dnFkSmluNEdMRUZVeDJ2WVd1WHNpTFNKQUJQbUE?oc=5) · Scioto Post
- 2016-07-07 [Police search for suspect in Coshocton bank robbery - Times Reporter](https://news.google.com/rss/articles/CBMioAFBVV95cUxOdWVLMnhDdTVjcmRiTXpfajNQQWNiSHB4eFJDTGdBREhwQ3hWc0JsNnVpbnlvZTdtNjlqY2dlNTRCVjNYbFpKZDFGLWZ5d05kOHNodTJMWURLN1lfOFlwYUQxZTVNbjkyVWFoOUdDWlNLNzBDNXVFNnYyUEw3RFRqTDBFeVlUN2dWcEFFczh6cmJhb05GTGJ4cWlHN0lBTkh4?oc=5) · Times Reporter
- 2016-07-07 [Search for bank robber continues - Coshocton Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxNNjVyaUF2aDFhSkVXZTYxY29KUi1kV25DcHg0SHhmcTJUMkhtWV9PN2ZIeF9WVTU0cGt4dGNZRlNSNU1IcXlta2tSLVNWUER0R1RnNUNXREtxeHk5ejFheDF4bzl0bG1ndVFtTTdNSkRvSk5VSC1CcXRvM2xQWlR3TG03eGo3bkY2c3BvSDhXNzA1ZHFpMzBTZQ?oc=5) · Coshocton Tribune
- 2021-12-27 [Richard R. Berg Obituary Dec 27, 2021 - Miller Funeral Home and Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE9kR1EyeGVCT1dOblBSX1Vka0ozQVhmS1RxdVJ5Vy14ZG01ZHI4RWlCcUtKMzlmNjhyejNXV1ZydFpXSW5BMkgybl9yTE5sRkxlMnk0Q1RrTDJpeEp0Wlp4czdqM3hvZmZ3MF8yRQ?oc=5) · Miller Funeral Home and Crematory
- 2022-04-27 [Matthew Forrester Obituary (1956 - 2022) - Columbia City, KY - KPCNews - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNSUFjNkkzU1kza0JDV3RiS08tb042UFFTMDhVejBEMlFzclJEZncxaW9KMXJsVV9OWmNhYTFZUmJFQ2ZXbmhGdkk2ZkRDSS0zSGRQNFprTDFQNF9PSWREb0hEOVZfVjctM0l1dFhrclJ0bFplSGdqWG5keVRtejFJcFo2cXVpMnlwcFduZDhpZ3NIdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29695 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "29695", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide