Bank Safety Analysis
Bankhometown: final safety record
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Return on assets dropped 1.01 percentage points in Q2 2026, from 1.15% to 0.14%. It was the largest change from Q1 2026 among the key lines here. Bankhometown reported 14.08% on CET1 ratio for Q2 2026, 0.58 points above the 13.49% median for banks in the $1B-10B asset tier. From Q3 2023 to Q2 2026, Bankhometown's CET1 ratio ranged between 12.57% (Q2 2024) and 14.83% (Q3 2025) and its Texas ratio ranged between 2.03% (Q2 2024) and 20.77% (Q2 2026). Between Q2 2025 and Q2 2026, Bankhometown's CET1 ratio rose from 13.89% to 14.08%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.35% to 2.74%, Texas ratio rose from 2.38% to 20.77% and return on assets fell from 1.26% to 0.14%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 14.08% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.24% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.74% are elevated; merits closer attention.
Texas Ratio of 20.8% is well below the 100% historical failure threshold.
Efficiency ratio of 60.6% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.08% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 20.77% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.74% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 30.19% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 93.86% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 295.00% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.08% |
| Q1 2026 | 14.50% |
| Q4 2025 | 13.85% |
| Q3 2025 | 14.83% |
| Q2 2025 | 13.89% |
| Q1 2025 | 13.48% |
| Q4 2024 | 13.39% |
| Q3 2024 | 13.24% |
| Q2 2024 | 12.57% |
| Q1 2024 | 12.61% |
| Q4 2023 | 13.33% |
| Q3 2023 | 13.42% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 20.77% |
| Q1 2026 | 16.84% |
| Q4 2025 | 17.39% |
| Q3 2025 | 2.36% |
| Q2 2025 | 2.38% |
| Q1 2025 | 2.24% |
| Q4 2024 | 2.17% |
| Q3 2024 | 2.18% |
| Q2 2024 | 2.03% |
| Q1 2024 | 2.36% |
| Q4 2023 | 2.80% |
| Q3 2023 | 3.19% |
Bankhometown by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.08% | 2.74% | 20.77% | 0.14% |
| Mar 31, 2026 | 14.50% | 2.64% | 16.84% | 1.15% |
| Dec 31, 2025 | 13.85% | 2.60% | 17.39% | 0.69% |
| Sep 30, 2025 | 14.83% | 0.34% | 2.36% | 1.41% |
| Jun 30, 2025 | 13.89% | 0.35% | 2.38% | 1.26% |
| Mar 31, 2025 | 13.48% | 0.32% | 2.24% | 1.17% |
| Dec 31, 2024 | 13.39% | 0.31% | 2.17% | 1.20% |
| Sep 30, 2024 | 13.24% | 0.30% | 2.18% | 1.36% |
| Jun 30, 2024 | 12.57% | 0.27% | 2.03% | 1.09% |
| Mar 31, 2024 | 12.61% | 0.31% | 2.36% | 1.10% |
| Dec 31, 2023 | 13.33% | 0.37% | 2.80% | 1.20% |
| Sep 30, 2023 | 13.42% | 0.48% | 3.19% | 1.25% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 26523) · FFIEC NIC profile (RSSD 1004470)
Explore: Full Bankhometown profile · Other banks in MA · Metric glossary · How the call report works