Bankhometown
Bankhometown is a community bank chartered in 1889, based in Oxford, MA. As of Q1 2026, the bank held approximately $1.6B in total assets and $1.4B in deposits. Profitability tracks the broader industry — ROA 1.15%, ROE 9.80%, NIM 3.67%. Regulatory capital is solid — 14.50% CET1 and 15.75% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 2.64%. Bankhometown operates a 15-branch network.
Headquarters Profile
- Address
- 31 Sutton Ave, OXFORD, MA 01540
- County
- Worcester
- Metro Area
- WORCESTER, MA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 2
- Established
- January 1, 1889
- Branches
- 15 domestic
- Employees (FTE)
- 150
- FDIC Cert
- 26523
- Fed RSSD
- 1004470
- Website
- www.bankhometown.com →
- Parent Holding Company
- HOMETOWN FINANCIAL GROUP, INC (RSSD 3728958)
Capital & Liquidity
Inside the full Bankhometown terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Bankhometown — freeThis is just Bankhometown's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Bankhometown rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Similar banks
Compare Bankhometown with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Bankhometown
What are Bankhometown's total assets?
As of the Q1 2026 filing, Bankhometown reported total assets of $1.62 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bankhometown headquartered?
Bankhometown is headquartered in OXFORD, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bankhometown founded?
Bankhometown was established in 1889, per the FDIC institution directory.
Is Bankhometown FDIC-insured?
Yes. Bankhometown is an FDIC-insured commercial bank (FDIC Certificate #26523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankhometown?
Bankhometown's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bankhometown's CET1 capital ratio?
Bankhometown reported a Common Equity Tier 1 (CET1) capital ratio of 14.50% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bankhometown operate?
Bankhometown operates 15 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bankhometown's Texas Ratio?
Bankhometown's Texas Ratio is 16.84% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Bankhometown.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required