Hometown Bank
Kent, OH · Cert 30219 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 64% of banks under $1B in assets operating in a single state (rank 274 of 751).
- Widest gap: efficiency ratio trails 94% of banks under $1B in assets operating in a single state (rank 713 of 755).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.18%
Rank 706 of 755
Net Interest Margin
3.24%
Rank 539 of 755
Efficiency Ratio
93.30%
Rank 713 of 755
Equity / Assets
7.62%
Rank 676 of 755
Non-interest income vs. expense
Unfavorable gap of $7.6M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.72% | 1.06% | 1.45% | Beats 6% | 706 / 755 | |
| Return on Equity | 2.39% | 6.66% | 10.44% | 13.61% | Beats 10% | 680 / 755 | |
| Net Interest Margin | 3.24% | 3.15% | 3.68% | 4.17% | Beats 29% | 539 / 755 | |
| Efficiency Ratio | 93.30% | 55.75% | 64.78% | 75.61% | Beats 6% | 713 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.09% | 0.42% | 1.05% | Beats 42% | 439 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 64% | 274 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 10.82% | 11.56% | 13.81% | 17.74% | Beats 17% | 628 / 755 | |
| Total Risk-Based Capital Ratio | 11.59% | 11.72% | 14.46% | 18.53% | Beats 23% | 578 / 755 | |
| Equity / Assets | 7.62% | 8.93% | 10.56% | 13.13% | Beats 10% | 676 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 89.01% | 62.43% | 78.62% | 91.00% | 71st pctl | 222 / 755 | |
| Loans / Assets | 75.73% | 54.70% | 67.27% | 76.55% | 72nd pctl | 213 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |