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Hometown Bank of Pennsylvania

Bedford, PA · Cert 58470

State charter, non-member · FDIC · 7 branches

Q2 2026

$453.9MAssets
$357.1MLoans
$415.1MDeposits
$36.8MEquity
Loan mix
85%RE $283.4M11%C&I $37.2M4%Consumer $13.3MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $325.6M22%Noninterest $89.5MQ2 2025Q2 2026

NIM

4.81%Q2 ’245.20%Q2 ’255.70%Q2 ’26+34%+18%

Non-interest income vs. expense

1.88%Q2 ’242.19%Q2 ’252.16%Q2 ’26+20%-1%

Market Position · Altoona, PA · 2026 SOD (annual) · 1.4% share · #12 of 16 inst. · $0.1B of $4.1B

31.2% Bedford
1.4% Blair

Executive Summary

  • Earnings: ROA of 1.39%, up 51 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 1.07% of loans (+101 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.33%, up 6 bps from a year ago.
  • Funding: loans stand at 86.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.39%+51 bps YoY

Net Interest Margin (quarter, annualized)

3.86%+58 bps YoY

Efficiency Ratio (quarter, annualized)

52.29%-903 bps YoY

Tier 1 Leverage Ratio

8.33%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%1.16%1.01%1.31%1.39%+51 bps
Return on Equity11.25%14.76%12.71%16.45%17.32%+608 bps
Net Interest Margin3.28%3.53%3.51%3.72%3.86%+58 bps
Efficiency Ratio61.32%56.50%49.88%54.13%52.29%-903 bps
Non-Interest Burden1.90%1.88%1.31%1.90%1.89%-1 bps
Growth
Asset Growth (YoY)-2.11%11.16%14.19%13.71%10.99%+1,309 bps
Loan Growth (YoY)22.51%20.65%30.57%30.03%24.71%+220 bps
Deposit Growth (YoY)8.26%12.79%13.66%13.54%10.58%+232 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.05%1.27%1.17%1.07%+101 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.00%0.01%0 bps
Allowance / Loans0.75%0.76%0.80%0.83%0.88%+13 bps
Allowance Coverage of NPLs13.8x15.2x0.6x0.7x0.8x-13.0x
Capital
Tier 1 Leverage Ratio8.27%8.25%7.94%8.24%8.33%+6 bps
Total Risk-Based Capital12.00%11.79%11.15%11.32%11.36%-64 bps
Equity / Assets7.79%7.86%7.98%7.95%8.11%+32 bps
Liquidity & Funding
Loans / Deposits76.27%76.99%82.81%82.69%86.01%+974 bps
Liquid Assets / Assets3.52%5.02%3.04%5.31%3.72%+20 bps
CRE / Total Capitaln/a269%291%301%n/an/a