COSHOCTON -- Seifried & Brew LLC, a community bank risk management firm, named Home Loan Savings Bank in its 2013 Top 15th Percentile of Community Banks. To gain entry into the distinguished ranking, the bank demonstrated exemplary performance of balancing risk and reward based on the bank's S&B Total Risk/Return Composite Ranking. This is no small feat considering that the bank not only survived the financial crisis but actually thrived. This supports Seifried & Brew's believe that conservative, traditional community banking is the strength of our financial system.