Hometown Bank of Pennsylvania
Bedford, PA · Cert 58470 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 7 branches
Q2 2026
$453.9MAssets
$357.1MLoans
$415.1MDeposits
$36.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks under $1B in assets (rank 78 of 629).
- Widest gap: equity / assets trails 87% of banks under $1B in assets (rank 547 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.34%
Rank 191 of 629
Net Interest Margin
3.77%
Rank 247 of 629
Efficiency Ratio
53.19%
Rank 98 of 629
Equity / Assets
8.11%
Rank 547 of 629
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 85% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.60% | 1.01% | 1.45% | Beats 70% | 191 / 629 | | |
| Return on Equity | 16.49% | 5.38% | 9.30% | 13.28% | Beats 88% | 78 / 629 | | |
| Net Interest Margin | 3.77% | 3.03% | 3.54% | 4.05% | Beats 61% | 247 / 629 | | |
| Efficiency Ratio | 53.19% | 58.35% | 67.79% | 79.08% | Beats 85% | 98 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.09% | 0.46% | 1.20% | Beats 28% | 417 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 65% | 207 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.44% | 11.24% | 13.84% | 18.77% | Beats 15% | 533 / 629 | | |
| Total Risk-Based Capital Ratio | 11.36% | 11.58% | 14.43% | 19.66% | Beats 22% | 488 / 629 | | |
| Equity / Assets | 8.11% | 9.09% | 10.65% | 13.80% | Beats 13% | 547 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.01% | 67.24% | 80.90% | 93.48% | 61st pctl | 234 / 594 | | |
| Loans / Assets | 78.67% | 53.31% | 67.71% | 78.15% | 77th pctl | 145 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |