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The Home Loan Savings Bank

Coshocton, OH · Est. 1882 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

The Home Loan Savings Bank is a bank based in Coshocton, Ohio, established in 1882, with $383 million in total assets across 5 branches. By Trust Grade it ranks 21st of 157 banks we track in Ohio. Its capital ratio of 11.9% is stronger than 72% of similarly sized banks, versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 2.29% return on assets. Consumers filed 1 complaints about Union Home Loan, Inc. with the CFPB — 2.6 per $1B in assets, a lower rate than 76% of peers.

Total assets
$383.2M
$100M–1B institution
Deposits
$313.6M
Branches
5
Capital ratio
11.9%
Top 28% of $100M–1B peers · Ohio median 10.3%
Return on assets
2.3%
Top 7% of $100M–1B peers · Ohio median 0.93%
Rank in Ohio
#21
of 157 banks

How The Home Loan Savings Bank compares to Ohio peers

Capital ratio
Top 28% of $100M–1B peers
The Home
11.9%
Ohio median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Top 7% of $100M–1B peers
The Home
2.3%
Ohio median
0.9%
Higher ROA = more profitable relative to asset base

How we graded The Home Loan Savings Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
81.14/100
Overall
A · 98
  • Strongly capitalized (11.9% capital ratio)
  • Strongly profitable (ROA 2.29%)
  • 2.6 complaints per $1B in assets

Consumer complaints (CFPB)

1 complaints filed with the CFPB against Union Home Loan, Inc. — 2.6 per $1B in assets.

Total complaints
1
Per $1B assets
2.6
Lower = better

Branch locations (5)

  • 590 Walnut St, Coshocton, OH 43812
  • 413 Main St, Coshocton, OH 43812
  • 1387 Coshocton Ave, Mount Vernon, OH 43050
  • 503 W Main St, West Lafayette, OH 43845
  • 1041 W Main St, Newark, OH 43055

Are deposits at The Home Loan Savings Bank insured?

Yes. The Home Loan Savings Bank is an FDIC-insured bank (FDIC certificate #29695). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The Home Loan Savings Bank: frequently asked questions

Is The Home Loan Savings Bank a good bank?

The Home Loan Savings Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 and a customer-experience score of 81.14/100. Strongly capitalized (11.9% capital ratio); Strongly profitable (ROA 2.29%).

Is The Home Loan Savings Bank FDIC-insured?

Yes. The Home Loan Savings Bank is a FDIC-insured bank (FDIC certificate #29695). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The Home Loan Savings Bank?

The Home Loan Savings Bank holds $383 million in total assets, ranking 21st of 157 banks we track in Ohio. It operates 5 branches.

How many complaints does The Home Loan Savings Bank have?

Consumers filed 1 complaints about Union Home Loan, Inc. with the CFPB, or 2.6 per $1B in assets.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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