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Hometown Bank

Kent, OH · Cert 30219 · Hometown Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hometown Bank

Kent, OH · Cert 30219 · Hometown Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$254.9MAssets
$193.0MLoans
$216.8MDeposits
$19.4MEquity
Loan mix
88%RE $168.5M11%C&I $21.5M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $179.0M17%Noninterest $37.9MQ2 2025Q2 2026

NIM

4.60%Q2 ’244.73%Q2 ’254.74%Q2 ’26+10%+5%

Non-interest income vs. expense

3.59%Q2 ’243.44%Q2 ’253.58%Q2 ’26-4%-1%

Market Position · Akron, OH · 2026 SOD (annual) · 1.1% share · #15 of 24 inst. · $0.2B of $19.7B

Executive Summary

  • Earnings: ROA of 0.19%, up 17 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.61% of loans (-114 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.17%, up 27 bps from a year ago.
  • Funding: loans stand at 89.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.19%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+17 bps YoY

Efficiency Ratio (YTD, annualized)

93.30%-485 bps YoY

Tier 1 Leverage Ratio

8.17%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.07%0.12%0.04%0.19%+17 bps
Return on Equity0.27%0.96%1.71%0.50%2.41%+214 bps
Net Interest Margin3.08%3.09%3.24%3.19%3.24%+17 bps
Efficiency Ratio98.14%96.32%94.32%97.49%93.30%-485 bps
Non-Interest Burden3.01%2.95%3.02%3.08%2.98%-2 bps
Growth
Asset Growth (YoY)0.23%-1.60%-4.68%-2.30%-0.06%-29 bps
Loan Growth (YoY)-1.45%-2.34%-4.25%-2.03%0.67%+212 bps
Deposit Growth (YoY)-0.43%-0.96%-9.09%-8.26%0.60%+103 bps
Asset Quality
Nonperforming Loans / Loans1.75%1.78%1.76%1.67%0.61%-114 bps
Net Charge-Offs / Loans0.03%0.02%-0.01%0.01%0.00%-3 bps
Allowance / Loans0.66%0.69%0.74%0.75%0.76%+10 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x1.2x+0.9x
Capital
Tier 1 Leverage Ratio7.90%8.04%8.29%8.30%8.17%+27 bps
Total Risk-Based Capital11.15%11.25%11.41%11.45%11.59%+44 bps
Equity / Assets7.13%7.54%7.76%7.69%7.62%+49 bps
Liquidity & Funding
Loans / Deposits88.95%90.68%96.66%96.54%89.01%+6 bps
Liquid Assets / Assets3.62%2.69%1.12%2.42%3.16%-46 bps
CRE / Total Capitaln/a495%493%501%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hometown Bank

Kent, OH · Cert 30219 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Hometown Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$254.9MAssets
$193.0MLoans
$216.8MDeposits
$19.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 63% of banks under $1B in assets operating in a single state (rank 278 of 743).
  • Widest gap: efficiency ratio trails 94% of banks under $1B in assets operating in a single state (rank 704 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.18%

Rank 695 of 746

Net Interest Margin

3.24%

Rank 539 of 746

Efficiency Ratio

93.30%

Rank 704 of 746

Equity / Assets

7.62%

Rank 669 of 746

Non-interest income vs. expense

$1.5M$9.1MINCOMEEXPENSE
Unfavorable gap of $7.6M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state
Bank 93.30%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.18%0.72%1.06%1.45%Beats 7%695 / 746
Return on Equity2.39%6.74%10.51%13.63%Beats 10%673 / 746
Net Interest Margin3.24%3.17%3.68%4.16%Beats 28%539 / 746
Efficiency Ratio93.30%55.74%64.58%75.47%Beats 6%704 / 746
Asset Quality
Nonperforming Loans / Loans0.61%0.09%0.42%1.07%Beats 42%430 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 63%278 / 743
Capital
Tier 1 Capital Ratio10.82%11.55%13.75%17.60%Beats 17%617 / 746
Total Risk-Based Capital Ratio11.59%11.71%14.33%18.43%Beats 24%570 / 746
Equity / Assets7.62%8.90%10.51%13.06%Beats 10%669 / 746
Liquidity & Funding
Loans / Deposits89.01%61.31%78.27%90.78%72nd pctl212 / 746
Loans / Assets75.73%53.60%66.97%76.08%73rd pctl200 / 746
Brokered Deposits / Depositsn/aNot reported for this institution