PackageTrendsPeer
Letter portraitLegal landscape

Bankhometown

Oxford, MA · Cert 26523 · Hometown Financial Group MHC

State charter, Fed member · FED · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=174). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

4

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankhometown

Oxford, MA · Cert 26523 · Hometown Financial Group MHC

State charter, Fed member · FED · 2 affiliate banks · 15 branches (55 in holding)

Q2 2026

$1.6BAssets
$1.3BLoans
$1.4BDeposits
$189.2MEquity
Loan mix
98%RE $1.2B2%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.1B18%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.79%Q2 ’244.89%Q2 ’254.82%Q2 ’26+2%+4%

Non-interest income vs. expense

2.41%Q2 ’242.31%Q2 ’252.48%Q2 ’26-4%+6%

Market Position · Worcester, MA · 2026 SOD (annual) · 4.3% share · #8 of 26 inst. · $1.0B of $22.5B

4.3% Worcester
26.0% Northeastern Connecticut

Executive Summary

  • Earnings: ROA of 0.65%, down 57 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 2.74% of loans (+240 bps YoY), with net charge-offs at 0.96%.
  • Capital: tier 1 leverage ratio of 11.24%, up 29 bps from a year ago.
  • Funding: loans stand at 93.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+13 bps YoY

Efficiency Ratio (YTD, annualized)

58.62%+138 bps YoY

Tier 1 Leverage Ratio

11.24%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.29%1.14%1.16%0.65%-57 bps
Return on Equity10.83%11.32%9.94%9.80%5.50%-533 bps
Net Interest Margin3.42%3.45%3.47%3.55%3.55%+13 bps
Efficiency Ratio57.24%55.62%55.19%56.50%58.62%+138 bps
Non-Interest Burden1.69%1.63%1.63%1.70%1.79%+11 bps
Growth
Asset Growth (YoY)7.39%6.65%4.30%3.40%1.32%-607 bps
Loan Growth (YoY)0.28%6.02%5.18%0.83%3.26%+298 bps
Deposit Growth (YoY)7.66%6.36%3.73%2.85%0.94%-673 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.34%2.60%2.64%2.74%+240 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.96%+97 bps
Allowance / Loans1.01%1.00%1.32%1.43%1.39%+38 bps
Allowance Coverage of NPLs2.9x2.9x0.5x0.5x0.5x-2.4x
Capital
Tier 1 Leverage Ratio10.95%11.12%11.15%11.36%11.24%+29 bps
Total Risk-Based Capital14.95%15.96%15.10%15.75%15.33%+38 bps
Equity / Assets11.34%11.58%11.90%11.71%11.83%+48 bps
Liquidity & Funding
Loans / Deposits91.75%94.52%96.44%90.53%93.86%+211 bps
Liquid Assets / Assets5.89%4.20%2.90%7.85%4.45%-144 bps
CRE / Total Capitaln/a416%414%390%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankhometown

Oxford, MA · Cert 26523 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Hometown Financial Group MHC

State charter, Fed member · FED · 2 affiliate banks · 15 branches (55 in holding)

Q2 2026

$1.6BAssets
$1.3BLoans
$1.4BDeposits
$189.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 77% of banks $1B-$10B in assets operating regionally (rank 40 of 174).
  • Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets operating regionally (rank 170 of 174).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.65%

Rank 156 of 174

Net Interest Margin

3.55%

Rank 88 of 174

Efficiency Ratio

58.90%

Rank 86 of 174

Equity / Assets

11.83%

Rank 40 of 174

Non-interest income vs. expense

$11.1M$40.1MINCOMEEXPENSE
Unfavorable gap of $28.9M · efficiency ratio beats 51% of banks $1B-$10B in assets operating regionally
Bank 58.90%Peer median 59.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%0.93%1.27%1.52%Beats 10%156 / 174
Return on Equity5.48%9.26%11.89%14.41%Beats 7%161 / 174
Net Interest Margin3.55%3.22%3.56%3.91%Beats 49%88 / 174
Efficiency Ratio58.90%51.59%59.21%67.02%Beats 51%86 / 174
Asset Quality
Nonperforming Loans / Loans2.74%0.29%0.60%1.18%Beats 3%170 / 174
Net Charge-Offs / Loans0.48%0.01%0.03%0.10%Beats 4%168 / 174
Capital
Tier 1 Capital Ratio14.08%11.19%12.82%14.11%Beats 74%45 / 174
Total Risk-Based Capital Ratio15.33%11.81%13.70%15.33%Beats 75%44 / 174
Equity / Assets11.83%9.15%10.31%11.72%Beats 77%40 / 174
Liquidity & Funding
Loans / Deposits93.86%80.93%90.31%97.12%66th pctl60 / 174
Loans / Assets80.09%69.01%75.52%80.85%71st pctl51 / 174
Brokered Deposits / Depositsn/aNot reported for this institution