The Hometown Savings 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.71 percentage points higher than in Q1 2026, at 181.20%. On return on assets, The Hometown Savings Bank is 5th from the bottom among 87 Indiana banks, 0.27% (Q2 2026). The Hometown Savings Bank's return on assets of 0.27% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.97 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.93% |
| Tier 1 risk-based capital ratio | 12.93% |
| Total risk-based capital ratio | 14.10% |
| Tier 1 leverage ratio | 8.29% |
| Equity capital to assets | 6.20% |
| Tangible equity to tangible assets | 6.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 6.21% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 181.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.27% |
| Return on equity | 4.64% |
| Net interest margin | 2.91% |
| Efficiency ratio | 88.10% |
| Yield on earning assets | 4.90% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.35% |
| Core deposits to total deposits | 91.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.16% |
| Securities to assets | 24.98% |
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 | 13.35% | 13.35% | 14.60% | 7.87% | -0.29% |
| Q4 2023 | 14.08% | 14.08% | 15.33% | 8.71% | -0.44% |
| Q1 2024 | 13.78% | 13.78% | 14.94% | 8.60% | 0.06% |
| Q2 2024 | 13.89% | 13.89% | 15.07% | 8.37% | -0.25% |
| Q3 2024 | 13.68% | 13.68% | 14.81% | 8.36% | -0.13% |
| Q4 2024 | 12.95% | 12.95% | 14.06% | 8.16% | -0.24% |
| Q1 2025 | 12.86% | 12.86% | 13.98% | 7.87% | -0.21% |
| Q2 2025 | 12.78% | 12.78% | 13.90% | 8.04% | -0.07% |
| Q3 2025 | 13.02% | 13.02% | 14.17% | 8.14% | 0.10% |
| Q4 2025 | 12.84% | 12.84% | 13.96% | 8.21% | 0.27% |
| Q1 2026 | 12.80% | 12.80% | 13.93% | 8.24% | 0.15% |
| Q2 2026 | 12.93% | 12.93% | 14.10% | 8.29% | 0.27% |
The Hometown Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hometown Savings 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 The Hometown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17736) · FFIEC NIC profile (RSSD 697147)