Hometown Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hometown Bank of Carver, MN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.96% | 1.25% | -0.29% | 30th below |
| ROAE | 12.59% | 12.22% | +0.37% | 51st above |
| Net Interest Margin | 4.17% | 3.95% | +0.22% | 62nd above |
| Efficiency Ratio | 68.81% | 63.71% | +5.10% | 30th below |
| PPNR / Avg Assets | 1.44% | — | — | 40th below |
| Yield on Earning Assets | 5.50% | 5.67% | -0.17% | 45th below |
| Cost of Funds | 1.31% | 1.87% | -0.56% | 80th top |
| Net Interest Spread | 3.73% | — | — | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.88% | -0.51% | 53rd above |
| NPA / Total Assets | 0.27% | — | — | 53rd above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 85th top |
| ACL / Total Loans | 1.25% | — | — | 56th above |
| ACL / NPLs (Coverage) | 338.93% | — | — | 61st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.39% | 5.96% | -2.57% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.75% | 17.18% | -6.43% | 6th bottom |
| Tier 1 Ratio | 10.75% | 17.21% | -6.46% | 6th bottom |
| Total Capital Ratio | 11.99% | — | — | 7th bottom |
| Leverage Ratio | 8.28% | 11.75% | -3.47% | 4th bottom |
| Equity / Assets | 7.77% | 10.98% | -3.21% | 11th bottom |
| TCE / Tangible Assets | 7.21% | — | — | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.49% | 80.44% | +3.05% | 44th below |
| Core Deposit Ratio | 94.61% | 86.95% | +7.66% | 82nd top |
| Wholesale Funding Ratio | 2.23% | — | — | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.17% | — | — | 83rd top |
| Loan Growth (Y/Y) | 23.34% | — | — | 95th top |
| Deposit Growth (Y/Y) | 9.48% | — | — | 81st top |
See Hometown Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hometown Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hometown Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Hometown Bank peer analysis.