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 Kent, OH against its peer group of 2672 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 | 0.33% | 1.34% | -1.01% | 9th bottom |
| ROAE | 4.31% | 13.32% | -9.01% | 12th bottom |
| Net Interest Margin | 3.66% | 3.93% | -0.27% | 35th below |
| Efficiency Ratio | 88.82% | 61.13% | +27.69% | 7th bottom |
| PPNR / Avg Assets | 0.42% | 1.68% | -1.26% | 7th bottom |
| Yield on Earning Assets | 5.28% | 5.67% | -0.39% | 34th below |
| Cost of Funds | 1.70% | 1.88% | -0.18% | 56th above |
| Net Interest Spread | 3.28% | 3.32% | -0.04% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 0.76% | 1.28% | -0.52% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 519.22% | 1538.95% | -1019.73% | 72nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.63% | 7.33% | -1.70% | 37th below |
| Provision / NCO | 3700.00% | 1394.62% | +2305.38% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.82% | 19.51% | -8.69% | 7th bottom |
| Tier 1 Ratio | 10.82% | 19.54% | -8.72% | 7th bottom |
| Total Capital Ratio | 11.59% | 20.62% | -9.03% | 5th bottom |
| Leverage Ratio | 8.17% | 12.14% | -3.97% | 3rd bottom |
| Equity / Assets | 7.62% | 11.38% | -3.76% | 10th bottom |
| TCE / Tangible Assets | 7.62% | 11.09% | -3.47% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.01% | 80.63% | +8.38% | 30th below |
| Core Deposit Ratio | 89.31% | 86.86% | +2.45% | 51st above |
| Wholesale Funding Ratio | 6.28% | 5.03% | +1.25% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.06% | 6.85% | -6.91% | 19th bottom |
| Loan Growth (Y/Y) | 0.67% | 7.90% | -7.23% | 25th below |
| Deposit Growth (Y/Y) | 0.60% | 6.29% | -5.69% | 27th below |
See Hometown Bank's peers by name
The 2672 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.