BlastPoint's Banking Scorecard
Hometown Bank
Micro
Specialty: Commercial
OH
FDIC cert 30219
Designations: ✓ Community bank
Kent, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Hometown Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.96% below tier
- - Efficiency Ratio 26.60% above tier
- - Nonperforming Asset Ratio 1.78% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.4M
-4.7% YoY
-1.1% QoQ
|
+$29.9M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$190.6M
-4.4% YoY
+0.9% QoQ
|
+$51.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$198.7M
-9.1% YoY
-5.3% QoQ
|
+$15.0M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.12%
+286.0% YoY
+81.9% QoQ
|
-0.96% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.42%
+8.6% YoY
+3.3% QoQ
|
-0.44% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
94.32%
-6.6% YoY
-2.1% QoQ
|
+26.60% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
1.77%
-9.0% YoY
-0.8% QoQ
|
+1.13% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
95.94%
+5.2% YoY
+6.5% QoQ
|
+21.41% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.79%
-1.1% YoY
-8.1% QoQ
|
-3.61% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
2.23%
-3.8% YoY
+1.2% QoQ
|
+1.78% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
10.67%
+7.8% YoY
+1.0% QoQ
|
+1.81% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.46%
-8.9% YoY
+35.4% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
94.32%
(Tier avg: 67.73%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.23%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
71
71th pctile
Total Loans
Current: $190.6M · Tier avg: $139.2M
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
62
62th pctile
Total Assets
Current: $247.4M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $198.7M · Tier avg: $183.7M
54
54th pctile
Tier 1 Capital Ratio
Current: 10.67% · Tier avg: 8.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.79% · Tier avg: 22.39%
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
15
15th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.64%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.94% · Tier avg: 74.53%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 94.32% · Tier avg: 67.73%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.23% · Tier avg: 0.45%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.23% · Tier avg: 0.45%
7
7th pctile
Efficiency Ratio
Current: 94.32% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.94% · Tier avg: 74.53%
15
15th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.64%
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.79% · Tier avg: 22.39%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.67% · Tier avg: 8.85%
59
59th pctile
Total Deposits
Current: $198.7M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $247.4M · Tier avg: $217.5M
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
71
71th pctile
Total Loans
Current: $190.6M · Tier avg: $139.2M