Kent, OH · Cert 30219 · Hometown Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Akron, OH · 2026 SOD (annual) · 1.1% share · #15 of 24 inst. · $0.2B of $19.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.17% | 0.29% | 0.04% | 0.33% | +22 bps | |
| Return on Equity | 1.51% | 2.27% | 3.82% | 0.50% | 4.31% | +280 bps | |
| Net Interest Margin | 3.18% | 3.04% | 3.49% | 3.19% | 3.39% | +22 bps | |
| Efficiency Ratio | 94.94% | 92.63% | 88.86% | 97.49% | 89.44% | -550 bps | |
| Non-Interest Burden | 2.99% | 2.77% | 3.04% | 3.08% | 2.97% | -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 / Loans | 1.75% | 1.78% | 1.76% | 1.67% | 0.61% | -114 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | -0.10% | 0.01% | -0.01% | -5 bps | |
| Allowance / Loans | 0.66% | 0.69% | 0.74% | 0.75% | 0.76% | +10 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 1.2x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.90% | 8.04% | 8.29% | 8.30% | 8.17% | +27 bps | |
| Total Risk-Based Capital | 11.15% | 11.25% | 11.41% | 11.45% | 11.59% | +44 bps | |
| Equity / Assets | 7.13% | 7.54% | 7.76% | 7.69% | 7.62% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.95% | 90.68% | 96.66% | 96.54% | 89.01% | +6 bps | |
| Liquid Assets / Assets | 3.62% | 2.69% | 1.12% | 2.42% | 3.16% | -46 bps | |
| CRE / Total Capital | n/a | 495% | 493% | 501% | n/a | n/a | |