Bankhometown
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
$1.6BAssets
$1.3BLoans
$1.4BDeposits
$189.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 76% of banks $1B-$10B in assets operating regionally (rank 43 of 176).
- Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets operating regionally (rank 172 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $28.9M · efficiency ratio beats 53% of banks $1B-$10B in assets operating regionally | 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 |