BlastPoint's Banking Scorecard

Hometown Bank of Pennsylvania

$100M-$1B Specialty: Commercial PA FDIC cert 58470

Bedford, PA

7 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Hometown Bank of Pennsylvania has 1 strength but faces 2 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 11.15% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.11% below tier average
- Delinquency Rate 0.29% above tier average

Get updates when Hometown Bank of Pennsylvania releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$452.9M +13.7% YoY +3.3% QoQ	+$66.8M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$340.2M +29.9% YoY +3.1% QoQ	+$84.5M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$414.9M +13.5% YoY +3.3% QoQ	+$86.9M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	1.31% +51.0% YoY +33.4% QoQ	+0.04%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	56%
Net Interest Margin ?	3.82% +20.0% YoY +8.9% QoQ	-0.11%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	54.13% -20.5% YoY -6.6% QoQ	-11.15%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	1.18% -7.7% QoQ	+0.29%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	82.00% +14.4% YoY -0.2% QoQ	+5.36%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	20.82% -6.6% YoY -1.7% QoQ	-1.20%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.89% -7.9% QoQ	+0.25%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	10.45% -13.0% YoY +1.3% QoQ	-5.38%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.06% -4.7% YoY -85.3% QoQ	-0.22%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

648

Efficiency Ratio

profitability

Value: 54.13%

Peer Median: 65.29%

#648 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (3 metrics)

2253

Tier 1 Capital Ratio

capital

Value: 10.45%

Peer Median: 15.83%

#2253 of 2664 Bottom 15.5% in $100M-$1B

2056

Nonperforming Asset Ratio

credit_quality

Value: 0.89%

Peer Median: 0.64%

#2056 of 2664 Bottom 22.9% in $100M-$1B

2007

Delinquency Rate

credit_quality

Value: 1.18%

Peer Median: 0.89%

#2007 of 2654 Bottom 24.4% in $100M-$1B