Hometown Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 464.40 percentage points in Q2 2026, from 54.81% to 519.22%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Hometown Bank is 139th of 156 on return on assets, 0.33% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Hometown Bank reported 0.33% on return on assets in Q2 2026, 0.93 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.82% |
| Tier 1 risk-based capital ratio | 10.82% |
| Total risk-based capital ratio | 11.59% |
| Tier 1 leverage ratio | 8.17% |
| Equity capital to assets | 7.62% |
| Tangible equity to tangible assets | 7.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 5.63% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | 519.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.33% |
| Return on equity | 4.31% |
| Net interest margin | 3.66% |
| Efficiency ratio | 88.82% |
| Yield on earning assets | 5.28% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.01% |
| Core deposits to total deposits | 89.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.08% |
| Securities to assets | 13.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.34% | 10.34% | 10.92% | 7.85% | 0.30% |
| Q4 2023 | 10.55% | 10.55% | 11.16% | 7.88% | -0.40% |
| Q1 2024 | 10.15% | 10.15% | 10.77% | 7.72% | -0.23% |
| Q2 2024 | 10.08% | 10.08% | 10.78% | 7.57% | -0.48% |
| Q3 2024 | 10.19% | 10.19% | 10.90% | 7.79% | 0.31% |
| Q4 2024 | 9.89% | 9.89% | 10.52% | 7.74% | 0.14% |
| Q1 2025 | 10.26% | 10.26% | 10.91% | 7.92% | -0.07% |
| Q2 2025 | 10.49% | 10.49% | 11.15% | 7.90% | 0.11% |
| Q3 2025 | 10.56% | 10.56% | 11.25% | 8.04% | 0.17% |
| Q4 2025 | 10.67% | 10.67% | 11.41% | 8.29% | 0.29% |
| Q1 2026 | 10.69% | 10.69% | 11.45% | 8.30% | 0.04% |
| Q2 2026 | 10.82% | 10.82% | 11.59% | 8.17% | 0.33% |
Hometown Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hometown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30219) · FFIEC NIC profile (RSSD 940674)