Home Savings Bank of Wapakoneta

Headquarters

1 South Blackhoof Street
Wapakoneta, OH 45895
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.01% 1.00% →
1-Year CD 0.30% 0.95% →
2-Year CD 0.60% 1.00% →
5-Year CD 1.00% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Home Savings Bank of Wapakoneta is an FDIC insured institution located in Wapakoneta, OH. It was founded in 1941 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 30176
Date Established 1941
Assets $ 37.22 million
Loans $ 29.07 million
Deposits $ 29.57 million
Capital $ 5.11 million
 

For a more detailed analysis of Home Savings Bank of Wapakoneta's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.01% $1 $9,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn More
6 Mo CD
0.25% $1,000 - Learn More
Special: 10 Mo CD
0.30% $500 - Learn More
12 Mo CD
0.30% $500 - Learn More
18 Mo CD
0.35% $500 - Learn More
24 Mo CD
0.60% $500 - Learn More
30 Mo CD
0.60% $500 - Learn More
48 Mo CD
0.75% $500 - Learn More
60 Mo CD
1.00% $500 - Learn More

Fixed IRA Rates APY MIN MAX
Special: 10 Mo FIRA
0.30% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.01% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $9,999 Learn MoreShow Less

Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Home Savings Bank of Wapakoneta

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.574% 2.500% 1.00 $2,445 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Home Savings Bank of Wapakoneta
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Branches

Home Savings Bank of Wapakoneta branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Home Savings Bank of Wapakoneta Locations


Financial Details

Home Savings Bank of Wapakoneta Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Home Savings Bank of Wapakoneta. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Home Savings Bank of Wapakoneta U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Home Savings Bank of Wapakoneta had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,112,000 in equity and $193,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Home Savings Bank of Wapakoneta U.S. Bank Average
2.65% 7.80%

Home Savings Bank of Wapakoneta has a Return on Equity of 2.65% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Home Savings Bank of Wapakoneta U.S. Bank Average
13.74% 12.68%

Home Savings Bank of Wapakoneta has a Capitalization of 13.74% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Home Savings Bank of Wapakoneta Balance Sheet Analysis

As of March 31, 2020, Home Savings Bank of Wapakoneta had assets of $37,217,000, loans of $29,069,000, and deposits of $29,572,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 1.85 million
Interest-bearing balances $ 1.47 million
Total securities $ 5.34 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 29.07 million
Loan loss allowance $ 0.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.59 million
     Total Assets $ 32.11 million
LIABILITIES
Total deposits $ 29.57 million
      Interest-bearing deposits $ 25.77 million
      Deposits held in domestic offices $ 29.57 million
      % insured (estimated) 98.12%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.41 million
Subordinated debt N.A.
All other liabilities $ 0.13 million
      Total Liabilities $ 32.11 million
      Shareholders’ Equity $ 5.11 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.38 million
Total Interest Expense $ 0.05 million
Net interest income $ 0.32 million
Provision for loan and lease losses $ 0.00 million
Total non interest income $ 0.01 million
Total non interest expense $ 0.29 million
Pre-tax Net Operating Income $ 0.04 million

Bank Loan Profile?

The top three loan types in Home Savings Bank of Wapakoneta’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Ohio, Home Savings Bank of Wapakoneta has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 89.67
Multifamily
Mortgages
2.49
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 2.16
Commercial Real Estate 3.29
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Home Savings Bank Of Wapakoneta

Branches and Savings

Is Home Savings Bank Of Wapakoneta FDIC insured?

Yes. It is covered under FDIC Certificate #30176.

Why does Home Savings Bank Of Wapakoneta pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Home Savings Bank Of Wapakoneta CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Home Savings Bank Of Wapakoneta a commercial bank?

Yes

Where are Home Savings Bank Of Wapakoneta locations?

See branch locations nearby.

Is Home Savings Bank Of Wapakoneta open on Saturdays?

Is Home Savings Bank Of Wapakoneta open on Sundays?

What time does Home Savings Bank Of Wapakoneta open?

What time does Home Savings Bank Of Wapakoneta close?

Are Home Savings Bank Of Wapakoneta ATMs Open 24/7?

Do Home Savings Bank Of Wapakoneta ATMs accept cash deposits?

Can Home Savings Bank Of Wapakoneta customers use other ATMs?

Do Home Savings Bank Of Wapakoneta branches have notaries?

Will Home Savings Bank Of Wapakoneta notarize my document?

What address for Home Savings Bank Of Wapakoneta should I put for incoming ACH transfers?

Will the Home Savings Bank Of Wapakoneta branch print checks?

Do Home Savings Bank Of Wapakoneta checks expire?

Does Home Savings Bank Of Wapakoneta require US citizenship to open account?

Can Home Savings Bank Of Wapakoneta close my account?

Does Home Savings Bank Of Wapakoneta Report to credit bureaus?

Does Home Savings Bank Of Wapakoneta Use Equifax?

What is Home Savings Bank Of Wapakoneta's ACH Routing Number?

What is Home Savings Bank Of Wapakoneta's SWIFT code?

Products

Does Home Savings Bank Of Wapakoneta offer mortgages?

Compare mortgage rates here.

Does Home Savings Bank Of Wapakoneta offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Home Savings Bank Of Wapakoneta offer personal loans?

Compare personal loan rates here.

Does Home Savings Bank Of Wapakoneta offer student loans?

Will Home Savings Bank Of Wapakoneta cash a check?

Will Home Savings Bank Of Wapakoneta redeem a savings bond?

Does Home Savings Bank Of Wapakoneta cash savings bonds?

Will Home Savings Bank Of Wapakoneta cash money orders?

Can Home Savings Bank Of Wapakoneta issue a money order?

Does Home Savings Bank Of Wapakoneta do currency exchange?

Background on The Bank

Who owns Home Savings Bank Of Wapakoneta?

How long has Home Savings Bank Of Wapakoneta been around?

Can Home Savings Bank Of Wapakoneta transfer to other banks?

Does Home Savings Bank Of Wapakoneta have quick pay?

Does Home Savings Bank Of Wapakoneta accept rolled coins?

Will Home Savings Bank Of Wapakoneta accept loose change?

Where is Home Savings Bank Of Wapakoneta headquarters?

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