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Hometown Bank

$100M-$1B Specialty: Commercial OH FDIC cert 30219

Kent, OH

5 branches across OH

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +0.6% year over year ($216.8M on the books).
  • Delinquency rate 0.61%.
  • Return on assets 0.19%.
  • Efficiency ratio 93.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.34% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

Hometown Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 23.5% in tier
  • - Return on Assets 1.14% below tier average
  • - Efficiency Ratio 28.82% above tier average
  • - Net Interest Margin 0.42% below tier average
Get updates when Hometown Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $254.9M
-0.1% YoY +2.1% QoQ
-$131.7M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $191.6M
+0.6% YoY +0.6% QoQ
-$66.8M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $216.8M
+0.6% YoY +9.1% QoQ
-$109.9M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 0.19%
+890.0% YoY +379.3% QoQ
-1.14% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 5.4% in tier
Net Interest Margin ? 3.57%
+7.7% YoY +4.0% QoQ
-0.42% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 93.30%
-4.9% YoY -4.3% QoQ
+28.82% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 3.9% in tier
Delinquency Rate ? 0.61%
-65.2% YoY -63.6% QoQ
-0.30% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 88.34%
-0.0% YoY -7.8% QoQ
+10.39% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 17.47%
-8.2% YoY -2.7% QoQ
-4.56% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.46%
-78.6% YoY -69.7% QoQ
-0.21% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 10.82%
+3.2% YoY +1.2% QoQ
-5.09% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.30%
+39.1% YoY +99.1% QoQ
-0.27% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
72%

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 17.5%
-1.6pp YoY
-0.5pp QoQ
 -4.7pp 22.1% 18.8% 22.2% 34%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 11.9%
-0.6pp YoY
+0.7pp QoQ
 +0.4pp 11.6% 10.2% 12.5% 63%
CRE 54.3%
+0.4pp YoY
+0.2pp QoQ
 +14.7pp 39.5% 34.2% 41.4% 77%
1-4 Family 33.4%
+0.3pp YoY
-0.8pp QoQ
 +0.8pp 32.6% 50.0% 31.3% 58%
Consumer 0.9%
-0.2pp YoY
0.0pp QoQ
 -3.2pp 4.1% 4.7% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 10.8%
+0.3pp YoY
+0.1pp QoQ
 -8.0pp 18.8% 22.1% 19.7% 7%
Leverage Ratio 8.2%
+0.3pp YoY
-0.1pp QoQ
 -4.0pp 12.2% 12.9% 12.6% 3%
Total Capital Ratio 11.6%
+0.4pp YoY
+0.1pp QoQ
 -8.3pp 19.9% 23.2% 20.8% 5%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 53
0 YoY
+3 (+6.0%) QoQ
 -6 58 2,433 482 56%
Assets per Employee ($) $4.8M
-0.1% YoY
-3.7% QoQ
 -$2.7M $7.5M $7.6M $8.8M 12%
Branch Count 5
0 YoY
0 QoQ
 0 4 81 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.5%
0.0pp YoY
+0.1pp QoQ
 +0.1pp 0.3% 0.2% 0.4% 82%
Nonaccrual 0.1%
-1.2pp YoY
-1.2pp QoQ
 -0.8pp 0.9% 0.6% 1.0% 24%
Allowance Coverage 1.24x
+229.4% YoY
+178.8% QoQ
 -22.91x 24.15x 18.95x 20.23x 33%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 30%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 2.4%
+2.1pp YoY
+1.9pp QoQ
 -9.8pp 12.2% 9.7% 11.6% 7%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 47%
Net Income ($, YTD) $232,000
+866.7% YoY
— QoQ
 -$2.3M $2.6M $259.3M $40.4M 6%

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 (1)

Capital Thin

risk
#156 of 661 • Bottom 23.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.82%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2541
Efficiency Ratio
profitability
Value: 93.30%
Peer Median: 64.48%
#2541 of 2643 Bottom 3.9% in $100M-$1B
2501
Return on Assets
profitability
Value: 0.19%
Peer Median: 1.32%
#2501 of 2643 Bottom 5.4% in $100M-$1B
2095
Tier 1 Capital Ratio
capital
Value: 10.82%
Peer Median: 15.91%
#2095 of 2643 Bottom 20.8% in $100M-$1B
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