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Bankhometown

$1B-$10B Specialty: Commercial MA FDIC cert 26523

Oxford, MA

15 branches across MA · CT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits +0.9% year over year ($1.4B on the books).
  • Delinquency rate 2.78%.
  • Return on assets 0.65%.
  • Efficiency ratio 58.62% vs a 59.73% peer average.
  • Loan-to-deposit ratio 92.56% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Bankhometown has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 1.11% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 13.6% in tier
  • - Flatlined Growth: Bottom 25.3% in tier
  • - Delinquency Rate 1.91% above tier average
  • - Nonperforming Asset Ratio 1.87% above tier average
  • - ROA 0.74% below tier average
  • - Net Interest Margin 0.09% below tier average
Get updates when Bankhometown releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $1.6B
+1.3% YoY -1.3% QoQ
-$1.2B $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $1.3B
+2.9% YoY +2.3% QoQ
-$699.9M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $1.4B
+0.9% YoY -1.3% QoQ
-$954.0M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
39%
Return on Assets ? 0.65%
-46.8% YoY -43.8% QoQ
-0.74% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 11.6% in tier
Net Interest Margin ? 3.78%
+3.6% YoY +1.0% QoQ
-0.09% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
54%
Efficiency Ratio ? 58.62%
+2.4% YoY +3.7% QoQ
-1.11% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 2.78%
+696.1% YoY +3.7% QoQ
+1.91% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Bottom 5.0% in tier
Loan-to-Deposit Ratio ? 92.56%
+1.9% YoY +3.7% QoQ
+7.52% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 17.91%
+8.6% YoY -3.6% QoQ
-3.36% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 2.54%
+835.8% YoY +24.5% QoQ
+1.87% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Bottom 4.3% in tier
Tier 1 Capital Ratio ? 14.08%
+1.4% YoY -2.9% QoQ
-0.76% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.35%
+11.9% YoY +100.3% QoQ
-0.18% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 17.9%
+1.4pp YoY
-0.7pp QoQ
 -3.5pp 21.4% 16.2% 22.2% 39%
Brokered Deposits n/a n/a 9.5% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 2.5%
-0.2pp YoY
0.0pp QoQ
 -11.5pp 14.0% 6.5% 12.5% 7%
CRE 57.9%
-1.4pp YoY
+0.9pp QoQ
 +7.9pp 50.0% 40.3% 41.4% 71%
1-4 Family 40.4%
+1.8pp YoY
-1.1pp QoQ
 +14.0pp 26.4% 52.4% 31.3% 82%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 1.6% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 14.1%
+0.2pp YoY
-0.4pp QoQ
 -1.5pp 15.6% 16.6% 19.7% 59%
Leverage Ratio 11.2%
+0.3pp YoY
-0.1pp QoQ
 -0.1pp 11.3% 11.5% 12.6% 65%
Total Capital Ratio 15.3%
+0.4pp YoY
-0.4pp QoQ
 -1.4pp 16.7% 17.5% 20.8% 62%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 153
+10 (+7.0%) YoY
+3 (+2.0%) QoQ
 -161 313 755 482 23%
Assets per Employee ($) $10.5M
-5.3% YoY
-3.2% QoQ
 -$27K $10.5M $10.7M $8.8M 69%
Branch Count 15
-1 (-6.2%) YoY
0 QoQ
 -5 20 13 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 2.8%
+2.4pp YoY
+0.1pp QoQ
 +2.0pp 0.8% 0.8% 1.0% 96%
Allowance Coverage 0.51x
-82.7% YoY
-6.8% QoQ
 -18.20x 18.71x 7.95x 20.23x 7%
Net Charge-off Rate (YTD) 1.0%
+1.0pp YoY
+1.0pp QoQ
 +0.7pp 0.3% 0.1% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 5.5%
-5.3pp YoY
-4.3pp QoQ
 -7.1pp 12.6% 5.6% 11.6% 10%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.9% 2.0% 1.7% 16%
Net Income ($, YTD) $5.2M
-45.3% YoY
— QoQ
 -$14.1M $19.2M $31.7M $40.4M 12%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#50 of 361 • Bottom 13.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.56%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Flatlined Growth

risk
#42 of 162 • Bottom 25.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.65%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

848
Nonperforming Asset Ratio
credit_quality
Value: 2.54%
Peer Median: 0.67%
#848 of 885 Bottom 4.3% in $1B-$10B
839
Delinquency Rate
credit_quality
Value: 2.78%
Peer Median: 0.87%
#839 of 882 Bottom 5.0% in $1B-$10B
783
Return on Assets
profitability
Value: 0.65%
Peer Median: 1.39%
#783 of 885 Bottom 11.6% in $1B-$10B
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