Hometown Bank of Pennsylvania
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Data as of · sourced from FFIEC call reports. How we update
Hometown Bank of Pennsylvania is an FDIC-insured commercial bank headquartered in Bedford, PA, established in 2007 (FDIC certificate 58470), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $453.9M, up 11.0% from Q2 2025, the 73rd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 10.44% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58470
- Headquarters
- Bedford, PA
- Established
- 2007
- Total assets, Q2 2026
- $453.9M
- Assets vs Q2 2025
- +11.0%
- CET1 ratio, Q2 2026
- 10.44%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 031319045
- Latest call report
- Q2 2026, FFIEC 041 · Hometown Bank of Pennsylvania Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 73rd of 109 in Pennsylvania
Problem loans are rising at Hometown Bank of Pennsylvania. Based in Bedford, Pennsylvania, it had $454 million in assets at June 30, 2026, up 11.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.07% of loans from 0.05% a year earlier. It holds common equity equal to 10.44% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew its loan book 24.7% over the year, 4.5 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.6 million, 77% above the same quarter a year earlier. Over the same year, loans grew 24.7% and deposits grew 10.6%. Credit is the area to watch: it carries problem assets equal to 9.6% of the capital and reserves that would absorb them, 3.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Hometown Bank of Pennsylvania reported a CET1 capital ratio of 10.44%, a return on assets of 1.40%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 9.55%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Hometown Bank of Pennsylvania is the 73rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $453.9M, loans rose 4.1% and deposits rose 0.1%. 1-4 family residential loans made up 32.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 17.3%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in PA; its Bedford office books 43% of its branch deposits. Judged on its Q2 2026 call report, Hometown Bank of Pennsylvania meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 638 E Pitt St, Bedford, PA 15522
- County
- Bedford
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 9, 2007
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $415.1M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $449.2M
- Average total loans
- $350.2M
- Average interest-bearing deposits
- $325.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 2007
- FDIC Cert
- 58470
- Fed RSSD
- 3594087
- Website
- hometownbankpa.com →
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 of Pennsylvania's total assets ran between $366.8M (Q3 2023) and $453.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$453.9M total assets against $408.9M; $417.1M total liabilities against $377.1M.
$353.9M net loans and leases against $284.2M; $415.1M total deposits against $375.4M.
$67.1M securities against $92.8M; $23.0M cash and balances due against $21.7M.
$6.4M total interest income against $5.3M; $2.1M total interest expense against $1.9M.
$4.3M net interest income against $3.3M.
$311K total noninterest income against $287K; $2.4M total noninterest expense against $2.2M.
$253K provision for credit losses against $275K.
$1.6M net income against $890K.
1.40% return on assets against 0.88%; 3.97% net interest margin against 3.38%.
10.44% CET1 capital ratio against 11.23%; 8.33% tier 1 leverage ratio against 8.27%.
Inside the full Hometown Bank of Pennsylvania terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHometown Bank of Pennsylvania rankings
Its closest position to the top of a national ranking is 681 of 3,640, for Texas Ratio; its furthest is 2,049 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q4 2024) to 1.40% (Q2 2026) and its net interest margin ran from 2.68% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.44% | 1.40% | 1.07% | 9.55% | 3.97% |
| Q1 2026 | 10.45% | 1.32% | 1.17% | 10.33% | 3.83% |
| Q4 2025 | 10.31% | 0.99% | 1.27% | 11.20% | 3.62% |
| Q3 2025 | 11.00% | 1.16% | 0.05% | 0.42% | 3.63% |
| Q2 2025 | 11.23% | 0.88% | 0.05% | 0.46% | 3.38% |
| Q1 2025 | 12.00% | 0.88% | 0.06% | 0.48% | 3.18% |
| Q4 2024 | 12.25% | 0.50% | 0.06% | 1.23% | 2.96% |
| Q3 2024 | 12.32% | 0.67% | 0.06% | 1.15% | 2.68% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 of Pennsylvania (main office) | Bedford , PA | 15522 | $178.6M |
| Everett Branch | Everett , PA | 15537 | $121.8M |
| Martinsburg Branch | Martinsburg , PA | 16662 | $30.6M |
| Hometown Bank of Pa Woodbury Branch | Woodbury , PA | 16695 | $27.4M |
| Claysburg Branch | Claysburg , PA | 16625 | $26.5M |
| Saxton Branch Office | Saxton , PA | 16678 | $22.1M |
| Hometown Bank of Pa Pleasantville Branch | Alum Bank , PA | 15521 | $8.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 88 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 of Pennsylvania
What are Hometown Bank of Pennsylvania's total assets?
As of the Q2 2026 filing, Hometown Bank of Pennsylvania reported total assets of $453.9 million in its FFIEC call report.
Where is Hometown Bank of Pennsylvania headquartered?
It is headquartered in Bedford, PA, United States.
When was Hometown Bank of Pennsylvania founded?
It was established in 2007, per the FDIC institution directory.
Is Hometown Bank of Pennsylvania FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58470). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hometown Bank of Pennsylvania?
Hometown Bank of Pennsylvania's primary federal regulator is the FDIC.
What is Hometown Bank of Pennsylvania's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.44% in its Q2 2026 call report, above regulatory requirements.
How many branches does Hometown Bank of Pennsylvania operate?
It operates 7 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 of Pennsylvania's Texas Ratio?
Its Texas Ratio is 9.55% 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.
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