| Metric | Hometown National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +4.4% | -9.3 pts |
| Deposit growth (YoY) | -6.7% | +4.0% | -10.7 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 10.1% | 11.9% | -1.7 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $307.2M | $265.8M | $151.3M | $33.9M | $1.7M | 1.07% | 3.20% | 0.09% |
| Q1 2026 | $319.6M | $278.6M | $147.5M | $33.3M | $750K | 0.94% | 3.11% | 0.09% |
| Q4 2025 | $319.3M | $278.1M | $146.6M | $32.9M | $3.8M | 1.17% | 3.08% | 0.08% |
| Q3 2025 | $328.4M | $288.6M | $146.5M | $31.5M | $2.8M | 1.15% | 3.06% | 0.09% |
| Q2 2025 | $323.2M | $284.9M | $148.7M | $30.0M | $1.8M | 1.11% | 2.98% | 0.09% |
| Q1 2025 | $325.8M | $288.6M | $148.9M | $28.8M | $950K | 1.17% | 2.88% | 0.24% |
| Q4 2024 | $324.2M | $284.1M | $152.6M | $31.2M | $2.8M | 0.89% | 2.83% | 0.19% |
| Q3 2024 | $325.5M | $286.0M | $158.5M | $31.1M | $1.9M | 0.83% | 2.79% | 0.82% |
Loan mix (Q2 2026): real estate $116.4M · commercial $35.8M · consumer $1.0M · securities $117.9M
| Ratio | Hometown National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 62.9% | 56th |
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 National 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 National 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 National 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 National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.