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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.72% | 1.06% | 1.45% | Beats 7% | 695 / 746 | | |
| Return on Equity | 2.39% | 6.74% | 10.51% | 13.63% | Beats 10% | 673 / 746 | | |
| Net Interest Margin | 3.24% | 3.17% | 3.68% | 4.16% | Beats 28% | 539 / 746 | | |
| Efficiency Ratio | 93.30% | 55.74% | 64.58% | 75.47% | Beats 6% | 704 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.09% | 0.42% | 1.07% | Beats 42% | 430 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 63% | 278 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.82% | 11.55% | 13.75% | 17.60% | Beats 17% | 617 / 746 | | |
| Total Risk-Based Capital Ratio | 11.59% | 11.71% | 14.33% | 18.43% | Beats 24% | 570 / 746 | | |
| Equity / Assets | 7.62% | 8.90% | 10.51% | 13.06% | Beats 10% | 669 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.01% | 61.31% | 78.27% | 90.78% | 72nd pctl | 212 / 746 | | |
| Loans / Assets | 75.73% | 53.60% | 66.97% | 76.08% | 73rd pctl | 200 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |