Bank Comparison
Bluestone Bank vs Bankhometown
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 19
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bluestone Bank | Bankhometown |
|---|---|---|
| CET1 Ratio | 12.75% | 14.50% |
| Tier 1 Capital Ratio | 12.75% | 14.50% |
| Total Capital Ratio | 13.46% | 15.75% |
| Tier 1 Leverage Ratio | 9.56% | 11.36% |
| Equity / Assets | 7.94% | 11.71% |
Profitability
| Metric | Bluestone Bank | Bankhometown |
|---|---|---|
| Return on Assets (ROA) | 0.10% | 1.15% |
| Return on Equity (ROE) | 1.23% | 9.80% |
| Net Interest Margin (NIM) | 2.34% | 3.67% |
| Yield on Earning Assets | 4.61% | 5.03% |
| Cost of Funds | 2.43% | 1.50% |
Asset quality
| Metric | Bluestone Bank | Bankhometown |
|---|---|---|
| Texas Ratio | 5.99% | 16.84% |
| Non-Performing Loan Ratio | 0.67% | 2.64% |
| Non-Performing Asset Ratio | 0.50% | 2.04% |
| Net Charge-Off Ratio | 0.33% | 0.00% |
| ACL / Loans | 0.63% | 1.43% |
Balance sheet
| Metric | Bluestone Bank | Bankhometown |
|---|---|---|
| Total Assets | $1,627M | $1,620M |
| Total Deposits | $1,304M | $1,383M |
| Total Loans | $1,205M | $1,252M |
| Total Equity | $129,120K | $189,812K |
| Net Income (quarter) | $396 | $4,609K |
Liquidity & funding
| Metric | Bluestone Bank | Bankhometown |
|---|---|---|
| Loan-to-Deposit Ratio | 92.41% | 90.53% |
| Core Deposit Ratio | 87.62% | 89.78% |
| Uninsured Deposit Ratio | 35.17% | 30.52% |
Identity
| Metric | Bluestone Bank | Bankhometown |
|---|---|---|
| Headquarters City | RAYNHAM | OXFORD |
| Headquarters State | MA | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 12 | 15 |
| Employees (FTE) | 160 | 150 |
| Established | March 19, 1872, midnight | Jan. 1, 1889, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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