| Metric | Hometown Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +0.6% | +5.6% | -5.0 pts |
| ROA | 0.19% | 1.24% | -1.1 pts |
| ROE | 2.4% | 11.9% | -9.5 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $254.9M | $216.8M | $191.6M | $19.4M | $232K | 0.19% | 3.57% | 0.46% |
| Q1 2026 | $249.7M | $198.7M | $190.4M | $19.2M | $24K | 0.04% | 3.43% | 1.52% |
| Q4 2025 | $247.4M | $198.7M | $190.6M | $19.2M | $311K | 0.12% | 3.42% | 2.23% |
| Q3 2025 | $250.3M | $209.7M | $188.9M | $18.9M | $129K | 0.07% | 3.31% | 2.20% |
| Q2 2025 | $255.0M | $215.6M | $190.5M | $18.2M | $24K | 0.02% | 3.31% | 2.15% |
| Q1 2025 | $255.6M | $216.6M | $194.5M | $17.9M | $-44K | -0.07% | 3.19% | 2.14% |
| Q4 2024 | $259.6M | $218.5M | $199.3M | $17.0M | $-170K | -0.07% | 3.14% | 2.32% |
| Q3 2024 | $254.4M | $211.8M | $193.4M | $17.4M | $-261K | -0.14% | 3.10% | 1.25% |
Loan mix (Q2 2026): real estate $168.4M · commercial $22.9M · consumer $1.7M · securities $34.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hometown Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 1.24% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 62.9% | 96th |
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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