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Bankesb

Easthampton, MA · Cert 90188 · Hometown Financial Group MHC

State charter, Fed member · FED · 2 affiliate banks · 11 branches (55 in holding)

Q2 2026

$2.0BAssets
$1.6BLoans
$1.8BDeposits
$195.3MEquity
Loan mix
88%RE $1.4B12%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $1.6B11%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.66%Q2 ’244.77%Q2 ’254.87%Q2 ’26+12%+16%

Non-interest income vs. expense

1.88%Q2 ’242.16%Q2 ’252.48%Q2 ’26+17%+17%

Market Position · Amherst Town-Northampton, MA · 2026 SOD (annual) · 22.8% share · #2 of 15 inst. · $1.5B of $6.6B

22.8% Hampshire
1.8% Hampden

Executive Summary

  • Earnings: ROA of 0.52%, unchanged from a year ago; NIM at 3.05%.
  • Asset quality: problem loans at 1.67% of loans (-43 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.82%, down 1 bps from a year ago.
  • Funding: loans stand at 91.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%0 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+42 bps YoY

Efficiency Ratio (YTD, annualized)

69.60%+30 bps YoY

Tier 1 Leverage Ratio

9.82%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.60%0.06%0.84%0.52%0 bps
Return on Equity5.47%6.16%0.62%8.67%5.42%-6 bps
Net Interest Margin2.63%2.73%2.77%3.03%3.05%+42 bps
Efficiency Ratio69.30%67.11%64.97%63.07%69.60%+30 bps
Non-Interest Burden1.68%1.67%1.62%1.72%1.97%+29 bps
Growth
Asset Growth (YoY)1.44%1.21%0.16%-1.12%-1.51%-295 bps
Loan Growth (YoY)6.00%1.30%-2.95%-2.98%-6.23%-1,223 bps
Deposit Growth (YoY)3.53%2.84%3.72%0.51%-0.09%-362 bps
Asset Quality
Nonperforming Loans / Loans2.10%2.15%0.86%0.88%1.67%-43 bps
Net Charge-Offs / Loans0.35%0.24%1.52%0.12%0.08%-27 bps
Allowance / Loans1.00%1.12%0.94%0.99%1.16%+15 bps
Allowance Coverage of NPLs0.5x0.5x1.1x1.1x0.7x+0.2x
Capital
Tier 1 Leverage Ratio9.83%10.02%9.57%9.87%9.82%-1 bps
Total Risk-Based Capital12.49%13.00%12.48%12.85%13.23%+74 bps
Equity / Assets9.62%9.90%9.63%9.72%9.69%+8 bps
Liquidity & Funding
Loans / Deposits97.15%95.84%93.68%91.45%91.18%-597 bps
Liquid Assets / Assets0.63%2.24%2.34%3.86%3.63%+301 bps
CRE / Total Capitaln/a415%425%405%n/an/a