Oxford, MA · Cert 26523 · Hometown Financial Group MHC
State charter, Fed member · FED · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
4
Profitability
22
Liquidity
68
Efficiency
53
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.
Oxford, MA · Cert 26523 · Hometown Financial Group MHC
State charter, Fed member · FED · 2 affiliate banks · 15 branches (55 in holding)
Q2 2026
Market Position · Worcester, MA · 2026 SOD (annual) · 4.3% share · #8 of 26 inst. · $1.0B of $22.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.20% | 1.18% | 1.22% | 1.29% | 1.14% | 1.16% | 0.65% | -57 bps | |
| Return on Equity | 10.76% | 10.74% | 10.46% | 10.83% | 11.32% | 9.94% | 9.80% | 5.50% | -533 bps | |
| Net Interest Margin | 3.31% | 3.33% | 3.37% | 3.42% | 3.45% | 3.47% | 3.55% | 3.55% | +13 bps | |
| Efficiency Ratio | 58.15% | 58.44% | 58.57% | 57.24% | 55.62% | 55.19% | 56.50% | 58.62% | +138 bps | |
| Non-Interest Burden | 1.64% | 1.67% | 1.71% | 1.69% | 1.63% | 1.63% | 1.70% | 1.79% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.40% | 7.34% | 9.17% | 7.39% | 6.65% | 4.30% | 3.40% | 1.32% | -607 bps | |
| Loan Growth (YoY) | 8.60% | 4.55% | 3.81% | 0.28% | 6.02% | 5.18% | 0.83% | 3.26% | +298 bps | |
| Deposit Growth (YoY) | 6.78% | 7.93% | 8.11% | 7.66% | 6.36% | 3.73% | 2.85% | 0.94% | -673 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.31% | 0.32% | 0.35% | 0.34% | 2.60% | 2.64% | 2.74% | +240 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.96% | +97 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.00% | 1.01% | 1.00% | 1.32% | 1.43% | 1.39% | +38 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.4x | 3.2x | 2.9x | 2.9x | 0.5x | 0.5x | 0.5x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.70% | 10.94% | 10.87% | 10.95% | 11.12% | 11.15% | 11.36% | 11.24% | +29 bps | |
| Total Risk-Based Capital | 14.30% | 14.44% | 14.54% | 14.95% | 15.96% | 15.10% | 15.75% | 15.33% | +38 bps | |
| Equity / Assets | 11.27% | 11.34% | 11.16% | 11.34% | 11.58% | 11.90% | 11.71% | 11.83% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.82% | 95.10% | 92.35% | 91.75% | 94.52% | 96.44% | 90.53% | 93.86% | +211 bps | |
| Liquid Assets / Assets | 3.01% | 3.37% | 5.30% | 5.89% | 4.20% | 2.90% | 7.85% | 4.45% | -144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 416% | 414% | 390% | n/a | n/a | |
Oxford, MA · Cert 26523 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Hometown Financial Group MHC
State charter, Fed member · FED · 2 affiliate banks · 15 branches (55 in holding)
Q2 2026
Return on Assets
0.65%
Rank 158 of 176
Net Interest Margin
3.55%
Rank 93 of 176
Efficiency Ratio
58.90%
Rank 84 of 176
Equity / Assets
11.83%
Rank 43 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.93% | 1.26% | 1.54% | Beats 10% | 158 / 176 | ||
| Return on Equity | 5.48% | 9.26% | 11.89% | 14.46% | Beats 8% | 162 / 176 | ||
| Net Interest Margin | 3.55% | 3.25% | 3.59% | 3.93% | Beats 47% | 93 / 176 | ||
| Efficiency Ratio | 58.90% | 52.79% | 59.55% | 67.66% | Beats 53% | 84 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.74% | 0.30% | 0.64% | 1.32% | Beats 3% | 172 / 176 | ||
| Net Charge-Offs / Loans | 0.48% | 0.01% | 0.04% | 0.10% | Beats 5% | 169 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.08% | 11.15% | 12.72% | 14.15% | Beats 73% | 47 / 176 | ||
| Total Risk-Based Capital Ratio | 15.33% | 11.81% | 13.63% | 15.33% | Beats 75% | 44 / 176 | ||
| Equity / Assets | 11.83% | 9.16% | 10.35% | 11.80% | Beats 76% | 43 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.86% | 80.94% | 89.73% | 97.21% | 65th pctl | 61 / 176 | ||
| Loans / Assets | 80.09% | 69.25% | 75.12% | 80.82% | 71st pctl | 51 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||