Bank Comparison
New Tripoli Bank vs Hometown Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | New Tripoli Bank | Hometown Bank |
|---|---|---|
| CET1 Ratio | — | 10.82% |
| Tier 1 Capital Ratio | — | 10.82% |
| Total Capital Ratio | — | 12.07% |
| Tier 1 Leverage Ratio | 10.63% | 8.13% |
| Equity / Assets | 7.58% | 7.65% |
Profitability
| Metric | New Tripoli Bank | Hometown Bank |
|---|---|---|
| Return on Assets (ROA) | 1.03% | 0.71% |
| Return on Equity (ROE) | 13.90% | 9.53% |
| Net Interest Margin (NIM) | 3.20% | 4.08% |
| Yield on Earning Assets | 4.91% | 5.38% |
| Cost of Funds | 1.82% | 1.37% |
Asset quality
| Metric | New Tripoli Bank | Hometown Bank |
|---|---|---|
| Texas Ratio | 8.17% | 4.09% |
| Non-Performing Loan Ratio | 0.88% | 0.43% |
| Non-Performing Asset Ratio | 0.69% | 0.32% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 1.09% | 1.26% |
Balance sheet
| Metric | New Tripoli Bank | Hometown Bank |
|---|---|---|
| Total Assets | $672,738K | $673,088K |
| Total Deposits | $592,262K | $602,879K |
| Total Loans | $527,007K | $497,450K |
| Total Equity | $51,006K | $51,473K |
| Net Income (quarter) | $1,745K | $1,216K |
Liquidity & funding
| Metric | New Tripoli Bank | Hometown Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.98% | 82.51% |
| Core Deposit Ratio | 87.39% | 97.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | New Tripoli Bank | Hometown Bank |
|---|---|---|
| Headquarters City | NEW TRIPOLI | CARVER |
| Headquarters State | PA | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 11 |
| Employees (FTE) | 63 | 138 |
| Established | March 10, 1910, midnight | Jan. 1, 1924, 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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