| Metric | HomeTown Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.9% | +5.3 pts |
| Deposit growth (YoY) | +9.5% | +4.3% | +5.2 pts |
| Loan growth (YoY) | +23.5% | +5.3% | +18.1 pts |
| ROA | 0.85% | 1.28% | -0.4 pts |
| ROE | 11.1% | 12.4% | -1.4 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $691.9M | $617.5M | $509.1M | $53.8M | $2.9M | 0.85% | 4.25% | 0.27% |
| Q1 2026 | $673.1M | $602.9M | $491.2M | $51.5M | $1.2M | 0.73% | 4.23% | 0.33% |
| Q4 2025 | $663.2M | $585.9M | $445.4M | $50.6M | $5.1M | 0.80% | 3.81% | 0.40% |
| Q3 2025 | $649.2M | $586.2M | $427.1M | $48.4M | $3.9M | 0.84% | 3.76% | 0.20% |
| Q2 2025 | $628.0M | $564.0M | $412.3M | $45.9M | $2.6M | 0.84% | 3.69% | 0.21% |
| Q1 2025 | $607.2M | $552.1M | $387.5M | $44.1M | $997K | 0.66% | 3.64% | 0.51% |
| Q4 2024 | $599.7M | $542.3M | $383.5M | $41.2M | $3.5M | 0.59% | 3.32% | 0.10% |
| Q3 2024 | $602.4M | $531.8M | $385.3M | $43.4M | $3.0M | 0.67% | 3.23% | 0.09% |
Loan mix (Q2 2026): real estate $342.0M · commercial $124.9M · consumer $12.0M · securities $122.6M
| Ratio | HomeTown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.28% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 61.2% | 74th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | HomeTown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | HomeTown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | HomeTown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | HomeTown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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