Hometown Bank of Pennsylvania: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hometown Bank of Pennsylvania of Bedford, PA against its peer group of 2603 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 | 1.40% | 1.34% | +0.06% | 58th above |
| ROAE | 17.32% | 13.32% | +4.00% | 77th top |
| Net Interest Margin | 3.97% | 3.93% | +0.04% | 52nd above |
| Efficiency Ratio | 52.05% | 61.13% | -9.08% | 76th top |
| PPNR / Avg Assets | 1.97% | 1.68% | +0.29% | 71st above |
| Yield on Earning Assets | 5.85% | 5.67% | +0.18% | 61st above |
| Cost of Funds | 2.00% | 1.88% | +0.12% | 37th below |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 0.94% | +0.29% | 24th bottom |
| NPA / Total Assets | 0.96% | 0.70% | +0.26% | 21st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 16th bottom |
| ACL / NPLs (Coverage) | 71.99% | 1546.83% | -1474.84% | 19th bottom |
| Texas Ratio | 10.96% | 7.34% | +3.62% | 20th bottom |
| Provision / NCO | 16366.67% | 1384.88% | +14981.79% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.44% | 19.49% | -9.05% | 5th bottom |
| Tier 1 Ratio | 10.44% | 19.52% | -9.08% | 4th bottom |
| Total Capital Ratio | 11.36% | 20.61% | -9.25% | 4th bottom |
| Leverage Ratio | 8.33% | 12.14% | -3.81% | 5th bottom |
| Equity / Assets | 8.11% | 11.37% | -3.26% | 15th bottom |
| TCE / Tangible Assets | 8.11% | 11.08% | -2.97% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.01% | 80.66% | +5.35% | 38th below |
| Core Deposit Ratio | 91.83% | 86.85% | +4.98% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.99% | 6.84% | +4.15% | 85th top |
| Loan Growth (Y/Y) | 24.71% | 7.91% | +16.80% | 95th top |
| Deposit Growth (Y/Y) | 10.58% | 6.29% | +4.29% | 84th top |
See Hometown Bank of Pennsylvania's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hometown Bank of Pennsylvania, 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 of Pennsylvania profile, how to read a UBPR, or how this data updates.