| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +8.7% | +5.6% | +3.1 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 20.8% | 11.9% | +8.9 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.7M | $90.8M | $90.0M | $9.5M | $961K | 1.84% | 3.80% | 1.53% |
| Q1 2026 | $103.1M | $93.0M | $85.2M | $9.3M | $494K | 1.90% | 3.81% | 1.57% |
| Q4 2025 | $105.0M | $94.4M | $86.8M | $8.9M | $1.2M | 1.27% | 3.49% | 1.11% |
| Q3 2025 | $99.6M | $84.8M | $83.0M | $8.7M | $859K | 1.19% | 3.40% | 1.38% |
| Q2 2025 | $98.2M | $85.8M | $82.8M | $8.4M | $533K | 1.12% | 3.31% | 1.37% |
| Q1 2025 | $94.0M | $84.0M | $77.9M | $8.3M | $254K | 1.09% | 3.30% | 1.18% |
| Q4 2024 | $93.1M | $81.7M | $79.9M | $8.1M | $744K | 0.84% | 3.12% | 0.75% |
| Q3 2024 | $91.0M | $81.4M | $78.3M | $8.0M | $549K | 0.83% | 3.11% | 0.79% |
Loan mix (Q2 2026): real estate $66.9M · commercial $9.0M · consumer $2.0M · securities $11.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hometown Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.5% | 62.9% | 12th |
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 Community 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 Community 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 Community 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 Community 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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