At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 0.66%
Is this bank safe?
THE HOME SAVINGS AND LOAN COMPANY OF KENTON, OHIO holds a Satisfactory CRA rating (2023), meets basic financial requirements (ROA +0.66%).
Website
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$248M
Total Deposits
$196M
Net Loans
$195M
Net Income
$400K
ROA
0.66%
Above avg for Small banks. Peer avg: 0.44%
ROE
3.86%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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Total Branches
3
Branch Deposits
$185M
1-Year Change
0
5-year net change: +2 branches
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 71 | 91.55% | 5.63% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Apr 2023 | Satisfactory | Small Bank |
| Mar 2017 | Satisfactory | Small Bank |
Exam dates and details are paywalled
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