Hometown Bank of Pennsylvania: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Hometown Bank of Pennsylvania. Based in Bedford, Pennsylvania, it had $454 million in assets at June 30, 2026, up 11.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.07% of loans from 0.05% a year earlier. It holds common equity equal to 10.44% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew its loan book 24.7% over the year, 4.5 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.6 million, 77% above the same quarter a year earlier. Over the same year, loans grew 24.7% and deposits grew 10.6%. Credit is the area to watch: it carries problem assets equal to 9.6% of the capital and reserves that would absorb them, 3.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Hometown Bank of Pennsylvania reported a CET1 capital ratio of 10.44%, a return on assets of 1.40%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 9.55%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 638 E Pitt St, Bedford, PA 15522
- County
- Bedford
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 9, 2007
- Offices
- 7 domestic
- Employees (FTE)
- 70
- Domestic deposits
- $415.1M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $449.2M
- Average total loans
- $350.2M
- Average interest-bearing deposits
- $325.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 2007
- FDIC Cert
- 58470
- Fed RSSD
- 3594087
- Website
- hometownbankpa.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Hometown Bank of Pennsylvania terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Hometown Bank of Pennsylvania, freeHometown Bank of Pennsylvania rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.44% | 1.40% | 1.23% | 9.55% | 3.97% |
| Q1 2026 | 10.45% | 1.32% | 1.32% | 10.33% | 3.83% |
| Q4 2025 | 10.31% | 0.99% | 1.43% | 11.20% | 3.62% |
| Q3 2025 | 11.00% | 1.16% | 0.17% | 0.42% | 3.63% |
| Q2 2025 | 11.23% | 0.88% | 0.59% | 0.46% | 3.38% |
| Q1 2025 | 12.00% | 0.88% | 0.65% | 0.48% | 3.18% |
| Q4 2024 | 12.25% | 0.50% | 0.69% | 1.23% | 2.96% |
| Q3 2024 | 12.32% | 0.67% | 0.95% | 1.15% | 2.68% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hometown Bank of Pennsylvania (main office) | Bedford , PA | 15522 | $178.6M |
| Everett Branch | Everett , PA | 15537 | $121.8M |
| Martinsburg Branch | Martinsburg , PA | 16662 | $30.6M |
| Hometown Bank of Pa Woodbury Branch | Woodbury , PA | 16695 | $27.4M |
| Claysburg Branch | Claysburg , PA | 16625 | $26.5M |
| Saxton Branch Office | Saxton , PA | 16678 | $22.1M |
| Hometown Bank of Pa Pleasantville Branch | Alum Bank , PA | 15521 | $8.0M |
Regulatory record
What the public regulatory sources show for Hometown Bank of Pennsylvania, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 88 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Hometown Bank of Pennsylvania
What are Hometown Bank of Pennsylvania's total assets?
As of the Q2 2026 filing, Hometown Bank of Pennsylvania reported total assets of $453.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hometown Bank of Pennsylvania headquartered?
Hometown Bank of Pennsylvania is headquartered in Bedford, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Hometown Bank of Pennsylvania founded?
Hometown Bank of Pennsylvania was established in 2007, per the FDIC institution directory.
Is Hometown Bank of Pennsylvania FDIC-insured?
Yes. Hometown Bank of Pennsylvania is an FDIC-insured commercial bank (FDIC Certificate #58470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hometown Bank of Pennsylvania?
Hometown Bank of Pennsylvania's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hometown Bank of Pennsylvania's CET1 capital ratio?
Hometown Bank of Pennsylvania reported a Common Equity Tier 1 (CET1) capital ratio of 10.44% in its Q2 2026 call report, above regulatory requirements.
How many branches does Hometown Bank of Pennsylvania operate?
Hometown Bank of Pennsylvania operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hometown Bank of Pennsylvania's Texas Ratio?
Hometown Bank of Pennsylvania's Texas Ratio is 9.55% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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