BlastPoint's Banking Scorecard
Hometown Bank
Kent, OH
5 branches across OH
Hometown Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 7.3% in tier
- - Capital Thin: Bottom 9.6% in tier
- - Liquidity Strain: Bottom 11.0% in tier
- - Capital Constraint: Bottom 20.4% in tier
- - Return on Assets 1.23% below tier average
- - Efficiency Ratio 32.20% above tier average
- - Net Interest Margin 0.50% below tier average
- - Delinquency Rate 0.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$249.7M
-2.3% YoY
+0.9% QoQ
|
-$136.4M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$190.4M
-2.1% YoY
-0.1% QoQ
|
-$65.3M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$198.7M
-8.3% YoY
+0.0% QoQ
|
-$129.3M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.04%
+156.5% YoY
-68.5% QoQ
|
-1.23% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.8% in tier |
| Net Interest Margin ? |
3.43%
+7.5% YoY
+0.5% QoQ
|
-0.50% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
97.49%
-4.0% YoY
+3.4% QoQ
|
+32.20% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate ? |
1.69%
-1.5% YoY
-4.9% QoQ
|
+0.80% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
95.82%
+6.7% YoY
-0.1% QoQ
|
+19.18% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.95%
-8.6% YoY
-4.4% QoQ
|
-4.07% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
1.52%
-28.6% YoY
-31.6% QoQ
|
+0.89% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.2% in tier |
| Tier 1 Capital Ratio ? |
10.69%
+4.2% YoY
+0.2% QoQ
|
-5.14% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.15%
+46.7% YoY
-67.3% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
74% |
Get Full Access to Hometown Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.