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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.20% | 1.18% | 1.26% | 1.41% | 0.70% | 1.16% | 0.14% | -112 bps | |
| Return on Equity | 12.33% | 10.62% | 10.46% | 11.19% | 12.27% | 5.96% | 9.80% | 1.21% | -997 bps | |
| Net Interest Margin | 3.38% | 3.39% | 3.37% | 3.52% | 3.58% | 3.63% | 3.55% | 3.59% | +6 bps | |
| Efficiency Ratio | 54.07% | 59.29% | 58.57% | 55.98% | 52.56% | 54.00% | 56.50% | 60.71% | +473 bps | |
| Non-Interest Burden | 1.51% | 1.73% | 1.71% | 1.69% | 1.56% | 1.66% | 1.70% | 1.90% | +22 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 | 0.00% | 0.00% | 0.01% | -0.02% | 0.00% | 0.00% | 0.00% | 1.92% | +194 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 | |