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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

4.76%Q2 ’244.83%Q2 ’254.92%Q2 ’26+18%+12%

Non-interest income vs. expense

2.00%Q2 ’242.14%Q2 ’252.74%Q2 ’26+7%+37%

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 0.21%, down 34 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 1.67% of loans (-43 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

0.21%-34 bps YoY

Net Interest Margin (quarter, annualized)

3.10%+33 bps YoY

Efficiency Ratio (quarter, annualized)

75.99%+1,085 bps YoY

Tier 1 Leverage Ratio

9.82%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.73%-1.56%0.84%0.21%-34 bps
Return on Equity5.75%7.52%-15.97%8.67%2.17%-357 bps
Net Interest Margin2.77%2.90%2.91%3.03%3.10%+33 bps
Efficiency Ratio65.13%63.09%59.03%63.07%75.99%+1,085 bps
Non-Interest Burden1.63%1.63%1.49%1.72%2.23%+60 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 / Loans0.69%0.00%5.34%0.12%0.04%-65 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