Easthampton, MA · Cert 90188 · Hometown Financial Group MHC
State charter, Fed member · FED · 2 affiliate banks · 11 branches (55 in holding)
Q2 2026
Market Position · Amherst Town-Northampton, MA · 2026 SOD (annual) · 22.8% share · #2 of 15 inst. · $1.5B of $6.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.39% | 0.50% | 0.55% | 0.73% | -1.56% | 0.84% | 0.21% | -34 bps | |
| Return on Equity | 5.89% | 4.08% | 5.19% | 5.75% | 7.52% | -15.97% | 8.67% | 2.17% | -357 bps | |
| Net Interest Margin | 2.40% | 2.34% | 2.51% | 2.77% | 2.90% | 2.91% | 3.03% | 3.10% | +33 bps | |
| Efficiency Ratio | 69.14% | 68.53% | 73.94% | 65.13% | 63.09% | 59.03% | 63.07% | 75.99% | +1,085 bps | |
| Non-Interest Burden | 1.50% | 1.44% | 1.74% | 1.63% | 1.63% | 1.49% | 1.72% | 2.23% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.49% | 4.56% | 3.05% | 1.44% | 1.21% | 0.16% | -1.12% | -1.51% | -295 bps | |
| Loan Growth (YoY) | 3.65% | 5.78% | 4.90% | 6.00% | 1.30% | -2.95% | -2.98% | -6.23% | -1,223 bps | |
| Deposit Growth (YoY) | 12.36% | 8.83% | 8.09% | 3.53% | 2.84% | 3.72% | 0.51% | -0.09% | -362 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.93% | 2.55% | 2.39% | 2.10% | 2.15% | 0.86% | 0.88% | 1.67% | -43 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.37% | 0.00% | 0.69% | 0.00% | 5.34% | 0.12% | 0.04% | -65 bps | |
| Allowance / Loans | 1.32% | 1.07% | 1.11% | 1.00% | 1.12% | 0.94% | 0.99% | 1.16% | +15 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.4x | 0.5x | 0.5x | 0.5x | 1.1x | 1.1x | 0.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 9.81% | 9.78% | 9.83% | 10.02% | 9.57% | 9.87% | 9.82% | -1 bps | |
| Total Risk-Based Capital | 12.73% | 12.29% | 12.66% | 12.49% | 13.00% | 12.48% | 12.85% | 13.23% | +74 bps | |
| Equity / Assets | 9.61% | 9.62% | 9.58% | 9.62% | 9.90% | 9.63% | 9.72% | 9.69% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.31% | 100.12% | 94.74% | 97.15% | 95.84% | 93.68% | 91.45% | 91.18% | -597 bps | |
| Liquid Assets / Assets | 1.00% | 0.27% | 3.01% | 0.63% | 2.24% | 2.34% | 3.86% | 3.63% | +301 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 415% | 425% | 405% | n/a | n/a | |