HOMETOWN BANK

KENT, OH | Small | Est. Jan. 1, 1898, midnight | FDIC #30219 | RSSD #940674 | FDIC
Latest Report: 2025-12-31

HOMETOWN BANK is asn small FDIC-insured commercial bank headquartered in KENT, OH, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $247M and total deposits of $199M. Profitability stands at 0.29% ROA and 3.82% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 10.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.38% and a Texas Ratio of 23.16%. FDIC Certificate #30219.

Assets

$247M

Deposits

$199M

Loans

$192M

Equity

$19M

Profitability

Return on Assets (ROA) 0.29%
Return on Equity (ROE) 3.82%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.38%
Cost of Funds 1.65%

Asset Quality

NPL Ratio 1.38%
Net Charge-Off Ratio -0.01%
Texas Ratio 23.16%
NPA Ratio 1.93%
ACL / Loans 0.74%

Capital & Liquidity

CET1 Ratio 10.67%
Tier 1 Capital 10.67%
Total Capital Ratio 11.41%
Leverage Ratio 8.29%
Loan-to-Deposit 96.66%

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