Home Savings Bank of Wapakoneta

Home Savings Bank of Wapakoneta Locations

1 South Blackhoof Street
Wapakoneta, OH 45895
(419) 738-9258
www.homesavings-wapak.com

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Home Savings Bank of Wapakoneta is headquartered in Wapakoneta and is the 223^rd largest bank in the state of Ohio. It is also the 6,802^nd largest bank in the nation. It was established in 1941 and as of March of 2012, it had grown to 6 employees at 1 location. Home Savings Bank of Wapakoneta has a 5-star health rating.

Home Savings Bank of Wapakoneta Routing Number: 242374361

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See Rates for: Savings | Money Market | CD | IRA

Home Savings Bank of Wapakoneta Savings Account Rates

Apy	Min	Max	Product
0.30%	$100k	-	Cornerstone Statement Savings Account
0.30%	$100k	-	Passbook Savings Account
0.15%	-	-	Christmas Club

Home Savings Bank of Wapakoneta Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Market Deposit Account

Home Savings Bank of Wapakoneta CD Rates

Apy	Min	Max	Product
1.51%	$500	-	60 Month CD
1.41%	$500	-	48 Month CD
0.70%	$500	-	24 Month CD
0.70%	$500	-	30 Month CD
0.60%	$500	-	17 Month CD
0.60%	$500	-	18 Month CD
0.50%	$500	-	10 Month CD Special
0.50%	$500	-	12 Month CD
0.25%	$1k	-	182 Day CD
0.15%	$1k	-	91 Day CD

Home Savings Bank of Wapakoneta IRA Rates

Apy	Min	Max	Product
1.51%	$500	-	60 Month IRA
1.51%	$500	-	60 Month Roth IRA
1.41%	$500	-	48 Month IRA
1.41%	$500	-	48 Month Roth IRA
0.70%	$500	-	24 Month IRA
0.70%	$500	-	30 Month IRA
0.70%	$500	-	24 Month Roth IRA
0.70%	$500	-	30 Month Roth IRA
0.60%	$500	-	17 Month IRA
0.60%	$500	-	18 Month IRA
0.60%	$500	-	17 Month Roth IRA
0.60%	$500	-	18 Month Roth IRA
0.50%	$500	-	10 Month IRA Special
0.50%	$500	-	12 Month IRA
0.50%	$500	-	10 Month Roth IRA Special
0.50%	$500	-	12 Month Roth IRA
0.25%	$1k	-	182 Day IRA
0.25%	$1k	-	182 Day Roth IRA
0.15%	$1k	-	91 Day IRA
0.15%	$1k	-	91 Day Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Home Savings Bank of Wapakoneta
OTS #	04893
FDIC Certificate #	30176
BankRate Report	View
Year Established	1941
Employees	6
Primary Regulator	FDIC
Assets and Liabilities
Assets	$35.68 million
Loans	$24.24 million
Deposits	$30.75 million
Equity Capital	$3.88 million
Loan Loss Allowance	$116,000
Historic Data - March 2011
Assets	$34.86 million
Equity Capital	$3.72 million
Loan Loss Allowance	$106,000
Profit Margin - Quarterly
Net Interest Margin	3.05%
Return on Assets	0.16%
Return on Equity	1.44%
Interest Income	$353,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Home Savings Bank of Wapakoneta had $0 in non-current loans and owned real-estate with $4 million in equity and loan loss allowances on hand to cover it. This gives Home Savings Bank of Wapakoneta a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Home Savings Bank of Wapakoneta has increased its total deposits by $774,000, resulting in 2.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home Savings Bank of Wapakoneta has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home Savings Bank of Wapakoneta has $35.68 million in assets with $4 million in equity, resulting in a capitalization level of 11.21%, which is above average.

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