HOMETOWN BANK OF PENNSYLVANIA

BEDFORD, PA | Small | Est. April 9, 2007, midnight | FDIC #58470 | RSSD #3594087 | FDIC
Latest Report: 2025-12-31

HOMETOWN BANK OF PENNSYLVANIA is asn small FDIC-insured commercial bank headquartered in BEDFORD, PA, established in April 9, 2007, midnight. As of 2025-12-31, the bank reported total assets of $438M and total deposits of $402M. Profitability stands at 1.01% ROA and 12.71% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 10.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.26% and a Texas Ratio of 11.15%. FDIC Certificate #58470.

Assets

$438M

Deposits

$402M

Loans

$333M

Equity

$35M

Profitability

Return on Assets (ROA) 1.01%
Return on Equity (ROE) 12.71%
Net Interest Margin (NIM) 3.88%
Yield on Assets 6.05%
Cost of Funds 2.18%

Asset Quality

NPL Ratio 1.26%
Net Charge-Off Ratio 0.01%
Texas Ratio 11.15%
NPA Ratio 0.96%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 10.31%
Tier 1 Capital 10.31%
Total Capital Ratio 11.15%
Leverage Ratio 7.94%
Loan-to-Deposit 82.81%

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