# BANKHOMETOWN
OXFORD, MA · FDIC certificate 26523 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.60B | |
| Deposits | $1.36B | |
| Loans and leases | $1.28B | |
| Total equity | $189.2M | |
| Loans / deposits | 92.56% (p67 of band) | 87.10% |
| Liquid assets / assets | 16.21% (p28 of band) | |
| Uninsured deposits / deposits | 30.19% (p48 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.01% (p29 of band) | |
| FHLB advances / assets | 2.01% | |
| Tier 1 leverage | 11.24% (p65 of band) | 10.50% |
| Unrealized securities loss / equity | -1.29% (p86 of band) | -7.75% |
| AOCI / equity | -0.30% (p51 of band) | |
| ROA (annualized) | 0.65% (p13 of band) | 1.26% |
| Net interest margin | 3.78% (p55 of band) | 3.70% |
| Efficiency ratio | 58.62% (p49 of band) | |
| Noncurrent loans | 2.74% (p95 of band) | 0.51% |
| Net charge-offs (annualized) | 0.77% (p97 of band) | |
| Reserve coverage of noncurrent | 50.53% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 23.72% (p21 of band) | |
| Auto loans | $43,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 153 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2012-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2012-09 | 2 | loans exceed deposits |  |
| 2012-12 | 1 |  | loans exceed deposits |
| 2013-03 | 4 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2013-06 | 1 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | capital falling, noncurrent p90 |  |
| 2014-12 | 2 |  | noncurrent p90 |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2016-03 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2016-06 | 3 | loans exceed deposits, NIM <2.5% | capital falling |
| 2016-09 | 2 |  | loans exceed deposits |
| 2016-12 | 1 |  | NIM <2.5% |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | uninsured deposits leaving |  |
| 2020-03 | 1 |  | uninsured deposits leaving |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | capital falling | reserve under noncurrent |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 0 |  | deposits shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-13 [‘The heart and soul of a community bank.’ Why bankHometown is becoming TruNorth. - wbjournal.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOTTR4bGY1LURKd2J1LW1PSDZpbzNaWVhGNXJzN1IxWjVpX3BSWjlXT080TzBUU2hZdzl3ekhQU0Vvc2JSbV9ybElVM1BKcW9IQnJBNlJmNXg5OF9wVUtwaFBYUUN5STJic1RXM2NLdmt0blNvY0U2V0UzdjY5VHFmdGdnbmw2eFV0MFY2cGV6WVg0Q3diU2F4UXRreDYxQllLNUJHTXh0MjJ1UTA?oc=5) · wbjournal.com
- 2026-07-07 [Massachusetts lender to acquire NH bank for $160M - Banking Dive](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPQmdMWF9sWUJLOEZWZThDemxRT1dqOXhGaldidkpqSDM1MGJmMTVKeUwydjJRVVhYa3E5MHI3U0FsejRDcDlpTjZUeWwwQ0NUUW14SS1FYXVhOXByRFloU2ktcXNBSnVNaXNLVzlXSzZOY19INWFfU28wRlhOODRLWnBNXy0zQzJiaGNv?oc=5) · Banking Dive
- 2026-07-07 [bankHometown to be rebranded as TruNorth as parent company goes public - wbjournal.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNYzRxcFB1UXZWMVhVZTVqUTlibzNsWHBPWGFUOFVMWEpBemZ6aFZWUjFmUXl4aGlSU29xRFFxanMzRlBIdDNCcGtDVjdyMWZoMDNhQXhyMC1hVzZ3WUZfM2xRSUhmMzUxbDY0ZDZpVnZXaUM2b1lyanpYX2FFTkpXUWdnd05sd3pqWmlpbk50eUNCcTlUXzd2cV9uTGVCZ1RNU1pV?oc=5) · wbjournal.com
- 2019-02-27 [bankHometown and Millbury Savings Bank to merge creating a $1 billion community bank with 15 offices - PR Newswire](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQRDJ4TWVTX0RTekpyX3R3N1lRZTN2eUo4d21uLWhPcXByQ0ZGYm1VYUFFWHpJQ1FXaUlMZmdtVUdWSTJCOE1oRFRERW5FdTlTMlJ3Q1gxU3JZMGN1Qm5rU0J6WDFXelhXNFVRZldvZU9ma21qTk5VRVQ0Uzd3MU5qazFMYWZEcVF5WFBUSVpvdTRYSzFkeHotcFlRaGJOWkJvQTJxQnZWVDc1V0pqdGlMM01YRGNDWjdnVHdCSTFCN3lEQUVXWm1zcGliVFNjcm5jcUlxYWMwZlVrQ292WDBwVUhwZUtTdjRFbVJ3?oc=5) · PR Newswire
- 2019-10-21 [Millbury Savings, bankHometown merger creates $1B bank - Worcester Telegram](https://news.google.com/rss/articles/CBMitgFBVV95cUxPVDE1blQzMHlTX2pObzlTb2Z2MDlKUnYzOUNzV3JlOFo5cjRNUU5BejIxV1RhUHloamRhdXI3YmFqYlpxc3RwUWVCS25veDFrdEdLVWltWlh0dEpyNnIzVzV4enhGRERkckdHaWxiT0ttOHRLcmtRVkkyQUFQYUt3VXZxbkhxTVc4dGFPSU9ZNTRGT3oySFp6d3UyQWVfY2FmUnNVay1HUF8zN1dhUDduOVpHTUU3dw?oc=5) · Worcester Telegram
- 2025-07-16 [Multiple agencies investigating Webster bank robbery - Spectrum News](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZnpGdUtKX01mcy03YzRhNVFZeG0ya3M5ajYwdDRkM3Ywbmo3NGsxWkhfcFBSR1g3NGpxbUtCOVNyTjcyLVlUYWFWXzE0Rm1Kclg5enE5NlZkQzR1V3Z1U1hvOTA5czF2R1BHaVhCb08wOF9yNUx3WGRkWUYxbmNsZndObVl6MjYya1J4RUpvemVMV1duRnh0NHVB?oc=5) · Spectrum News
- 2026-05-13 [bankESB, once Easthampton Savings Bank, rebranding statewide to TruNorth Bank - MassLive](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOTGU2eGZfX2dzd3pCQ3luTWpyTzRoQTJrWm9IU2NHOFVTRTI4STR3c3NvN2t5M2M4cm16eW9OZE5OU241d09DSVBnOHBNdkZKa0pZbmRuSVNDRGs5OU5NVTlJR3U3Y3hhblNQa3NSakppa1NaZkcwdUNtZnlseUQxYkJmWWg5QjNHS1VwcVN3c1BHV29ENzFER2NPT3VzTVVnU0xxT21GS3d0emU1bW9weTNQM1pnUS1zUVpPeV9UWkxtQTQ?oc=5) · MassLive
- 2019-10-21 [bankHometown completes merger with Millbury Savings Bank and welcomes Robert J. Morton as President and CEO - PR Newswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQcEl5YnlINGRtVWJzaHBnVkxsUFVTX1dBdVQxRXRMOVdQZ3JJb1EtSUdJLWJ0eTQxOFo3TzRmSnZLYWNMcG53amtFWDFpUVNrOG9GZllUeDd3MGs2R0VRWFB3LXpLUVJEbmVOVnI5VHdDZU5vakZxWUVRaTBMeTRqRHlGalJqOWxuYVcxb1NOODMwODFSZmtWNjlmWnltSlNTSFZTYUJabTd1aVM3ZExnWFYzREVtRzc1VG1BZE1SNEh3NS04YmEtR2oxUTZQb3ltUnlPUW5yUnNSbU9DYVJLOWFfdm5fV2taN0dnQnY4REJwSXdL?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26523 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "26523", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide