Peabody, MA · Cert 26484 · Hometown Financial Group MHC
State charter, Fed member · FED · 2 affiliate banks · 29 branches (55 in holding)
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.5% share · #18 of 100 inst. · $2.7B of $580.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | 1.58% | 1.20% | 1.25% | 1.39% | 1.42% | 1.27% | 0.85% | -40 bps | |
| Return on Equity | -4.17% | 10.98% | 8.28% | 8.51% | 9.21% | 9.52% | 8.56% | 5.75% | -276 bps | |
| Net Interest Margin | 1.19% | 4.08% | 3.77% | 3.90% | 4.04% | 4.06% | 4.16% | 4.13% | +23 bps | |
| Efficiency Ratio | 40.24% | 45.48% | 53.43% | 51.91% | 50.13% | 50.89% | 49.46% | 63.39% | +1,147 bps | |
| Non-Interest Burden | 0.59% | 1.75% | 1.96% | 1.96% | 1.94% | 1.91% | 2.00% | 2.58% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 79.22% | 75.65% | 79.52% | 77.89% | 1.40% | 10.74% | 9.73% | 12.24% | -6,565 bps | |
| Loan Growth (YoY) | 79.48% | 74.54% | 71.94% | 73.90% | -1.24% | 6.54% | 6.27% | 7.53% | -6,637 bps | |
| Deposit Growth (YoY) | 70.04% | 71.01% | 72.90% | 69.83% | 2.41% | 11.73% | 9.94% | 12.56% | -5,727 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.64% | 0.65% | 0.57% | 0.66% | 0.52% | 0.47% | 0.58% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | 0.25% | 0.00% | -1 bps | |
| Allowance / Loans | 0.51% | 0.51% | 0.48% | 0.47% | 0.48% | 0.49% | 0.53% | 0.54% | +7 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 0.7x | 0.8x | 0.7x | 0.9x | 1.1x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.60% | 10.64% | 10.99% | 11.28% | 11.66% | 11.40% | 11.42% | 11.46% | +18 bps | |
| Total Risk-Based Capital | 14.28% | 14.65% | 15.23% | 15.30% | 15.78% | 15.69% | 16.58% | 16.59% | +130 bps | |
| Equity / Assets | 14.19% | 14.50% | 14.53% | 14.91% | 15.17% | 14.77% | 14.84% | 14.72% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.33% | 98.95% | 95.25% | 96.98% | 95.79% | 94.36% | 92.07% | 92.65% | -433 bps | |
| Liquid Assets / Assets | 3.21% | 3.67% | 6.41% | 4.80% | 6.35% | 3.88% | 5.82% | 3.87% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 360% | 350% | 331% | n/a | n/a | |