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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.07% | -0.07% | 0.02% | 0.07% | 0.12% | 0.04% | 0.19% | +17 bps | |
| Return on Equity | -2.07% | -1.01% | -1.01% | 0.27% | 0.96% | 1.71% | 0.50% | 2.41% | +214 bps | |
| Net Interest Margin | 2.90% | 2.91% | 2.97% | 3.08% | 3.09% | 3.24% | 3.19% | 3.24% | +17 bps | |
| Efficiency Ratio | 102.69% | 100.94% | 101.57% | 98.14% | 96.32% | 94.32% | 97.49% | 93.30% | -485 bps | |
| Non-Interest Burden | 2.99% | 2.95% | 3.02% | 3.01% | 2.95% | 3.02% | 3.08% | 2.98% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.53% | -0.12% | -1.89% | 0.23% | -1.60% | -4.68% | -2.30% | -0.06% | -29 bps | |
| Loan Growth (YoY) | -2.37% | 1.62% | -0.40% | -1.45% | -2.34% | -4.25% | -2.03% | 0.67% | +212 bps | |
| Deposit Growth (YoY) | -6.38% | 1.83% | 3.06% | -0.43% | -0.96% | -9.09% | -8.26% | 0.60% | +103 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 1.94% | 1.70% | 1.75% | 1.78% | 1.76% | 1.67% | 0.61% | -114 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.07% | 0.02% | 0.03% | 0.02% | -0.01% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 0.71% | 0.63% | 0.66% | 0.66% | 0.69% | 0.74% | 0.75% | 0.76% | +10 bps | |
| Allowance Coverage of NPLs | 1.3x | 0.3x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 1.2x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.79% | 7.74% | 7.92% | 7.90% | 8.04% | 8.29% | 8.30% | 8.17% | +27 bps | |
| Total Risk-Based Capital | 10.90% | 10.52% | 10.91% | 11.15% | 11.25% | 11.41% | 11.45% | 11.59% | +44 bps | |
| Equity / Assets | 6.85% | 6.54% | 7.01% | 7.13% | 7.54% | 7.76% | 7.69% | 7.62% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.96% | 91.77% | 90.40% | 88.95% | 90.68% | 96.66% | 96.54% | 89.01% | +6 bps | |
| Liquid Assets / Assets | 0.98% | 1.40% | 1.81% | 3.62% | 2.69% | 1.12% | 2.42% | 3.16% | -46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 495% | 493% | 501% | n/a | n/a | |