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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

4.92%Q2 ’244.96%Q2 ’254.86%Q2 ’26+4%+2%

Non-interest income vs. expense

2.36%Q2 ’242.33%Q2 ’252.59%Q2 ’26+1%+13%

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 0.14%, down 112 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 2.74% of loans (+240 bps YoY), with net charge-offs at 1.92%.
  • 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 (quarter, annualized)

0.14%-112 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+6 bps YoY

Efficiency Ratio (quarter, annualized)

60.71%+473 bps YoY

Tier 1 Leverage Ratio

11.24%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.41%0.70%1.16%0.14%-112 bps
Return on Equity11.19%12.27%5.96%9.80%1.21%-997 bps
Net Interest Margin3.52%3.58%3.63%3.55%3.59%+6 bps
Efficiency Ratio55.98%52.56%54.00%56.50%60.71%+473 bps
Non-Interest Burden1.69%1.56%1.66%1.70%1.90%+22 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-0.02%0.00%0.00%0.00%1.92%+194 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