Hometown Bank (Kent, OH)
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Data as of · sourced from FFIEC call reports. How we update
Hometown Bank is an FDIC-insured commercial bank headquartered in Kent, OH, established in 1898 (FDIC certificate 30219), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $254.9M, down 0.1% from Q2 2025, the 89th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 10.82% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30219
- Headquarters
- Kent, OH
- Established
- 1898
- Total assets, Q2 2026
- $254.9M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 10.82%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 241271193
- Holding company
- HOMETOWN BANCORP, INC.
- Asset rank in state
- 89th of 154 in Ohio
Hometown Bank spends more to run itself than most banks of its size. It reported $255 million in assets at June 30, 2026. It earns about $0.33 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.61% of loans from 1.75%. Its $30 million non-owner-occupied commercial real estate book is now fully current, after 7.38% of it was past due or on nonaccrual a year earlier. Where it has less room is capital: it holds common equity equal to 10.82% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Hometown Bank reported a CET1 capital ratio of 10.82%, a return on assets of 0.33%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 5.63%. The figures come from its call report filed with the FFIEC.
Hometown Bank ranks as the 89th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $254.9M, loans rose 0.6% and deposits rose 9.1%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 36.3% of total loans, followed by 1-4 family residential loans at 33.1%. Its 4 offices in the FDIC Summary of Deposits are in Kent, OH, Brimfield Township, OH and Ravenna, OH; its Kent 2 offices book 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hometown Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 142 N Water St, Kent, OH 44240
- County
- Portage
- Metro Area
- Akron, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Former names
- Home Savings Bank (1989-2012)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $216.8M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $254.8M
- Average total loans
- $191.4M
- Average interest-bearing deposits
- $170.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30219
- Fed RSSD
- 940674
- SEC CIK
- 1538823 → filed by HOMETOWN BANCORP, INC.
- Website
- www.ht.bank →
- Parent Holding Company
- HOMETOWN BANCORP, INC. (RSSD 3311202)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Hometown Bank's total assets ran between $247.4M (Q4 2025) and $269.2M (Q3 2023), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$254.9M total assets against $255.0M; $235.5M total liabilities against $236.8M.
$191.6M net loans and leases against $190.5M; $216.8M total deposits against $215.6M.
$34.6M securities against $35.4M; $13.2M cash and balances due against $11.9M.
$3.1M total interest income against $3.1M; $970K total interest expense against $1.0M.
$2.2M net interest income against $2.0M.
$389K total noninterest income against $288K; $2.3M total noninterest expense against $2.2M.
$26K provision for credit losses against $2K.
$208K net income against $68K.
0.33% return on assets against 0.11%; 3.66% net interest margin against 3.38%.
10.82% CET1 capital ratio against 10.49%; 8.17% tier 1 leverage ratio against 7.90%.
Inside the full Hometown Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHometown Bank rankings
Its closest position to the top of a national ranking is 1,199 of 3,640, for Texas Ratio; its furthest is 3,457 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.07% (Q1 2025) to 0.33% (Q2 2026) and its net interest margin ran from 3.13% (Q1 2025) to 3.74% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.82% | 0.33% | 0.61% | 5.63% | 3.66% |
| Q1 2026 | 10.69% | 0.04% | 1.67% | 18.45% | 3.40% |
| Q4 2025 | 10.67% | 0.29% | 1.76% | 26.71% | 3.74% |
| Q3 2025 | 10.56% | 0.17% | 1.78% | 27.30% | 3.26% |
| Q2 2025 | 10.49% | 0.11% | 1.75% | 28.24% | 3.38% |
| Q1 2025 | 10.26% | -0.07% | 1.70% | 28.43% | 3.13% |
| Q4 2024 | 9.89% | 0.14% | 1.94% | 32.95% | 3.21% |
| Q3 2024 | 10.19% | 0.31% | 0.54% | 16.87% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hometown Bank (main office) | Kent , OH | 44240 | $159.2M |
| Brimfield Township Branch | Brimfield Township , OH | 44240 | $33.4M |
| Ravenna Branch | Ravenna , OH | 44266 | $24.2M |
| Water Street Drive-Thru Branch | Kent , OH | 44240 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 103 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 24 loans originated, $4.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $891K approved, $891K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hometown Bank
What are Hometown Bank's total assets?
As of the Q2 2026 filing, Hometown Bank reported total assets of $254.9 million in its FFIEC call report.
Where is Hometown Bank headquartered?
It is headquartered in Kent, OH, United States.
When was Hometown Bank founded?
It was established in 1898, per the FDIC institution directory.
Is Hometown Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hometown Bank?
Hometown Bank's primary federal regulator is the FDIC.
What is Hometown Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.82% in its Q2 2026 call report, above regulatory requirements.
How many branches does Hometown Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hometown Bank's Texas Ratio?
Its Texas Ratio is 5.63% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Hometown Bank previously called?
The charter now named Hometown Bank has also operated as Home Savings Bank (1989-2012), per FDIC structure-change records.
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