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
Unfavorable gap of $28.9M · efficiency ratio beats 51% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.93% | 1.27% | 1.52% | Beats 10% | 156 / 174 | |
| Return on Equity | 5.48% | 9.26% | 11.89% | 14.41% | Beats 7% | 161 / 174 | |
| Net Interest Margin | 3.55% | 3.22% | 3.56% | 3.91% | Beats 49% | 88 / 174 | |
| Efficiency Ratio | 58.90% | 51.59% | 59.21% | 67.02% | Beats 51% | 86 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.74% | 0.29% | 0.60% | 1.18% | Beats 3% | 170 / 174 | |
| Net Charge-Offs / Loans | 0.48% | 0.01% | 0.03% | 0.10% | Beats 4% | 168 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 14.08% | 11.19% | 12.82% | 14.11% | Beats 74% | 45 / 174 | |
| Total Risk-Based Capital Ratio | 15.33% | 11.81% | 13.70% | 15.33% | Beats 75% | 44 / 174 | |
| Equity / Assets | 11.83% | 9.15% | 10.31% | 11.72% | Beats 77% | 40 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 93.86% | 80.93% | 90.31% | 97.12% | 66th pctl | 60 / 174 | |
| Loans / Assets | 80.09% | 69.01% | 75.52% | 80.85% | 71st pctl | 51 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |