# HOMETOWN BANK
KENT, OH · FDIC certificate 30219 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $254.9M | |
| Deposits | $216.8M | |
| Loans and leases | $193.0M | |
| Total equity | $19.4M | |
| Loans / deposits | 88.34% (p77 of band) | 73.59% |
| Liquid assets / assets | 18.73% (p19 of band) | |
| Uninsured deposits / deposits | 19.23% (p48 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.28% (p76 of band) | |
| FHLB advances / assets | 6.28% | |
| Tier 1 leverage | 8.17% (p4 of band) | 11.76% |
| Unrealized securities loss / equity | -11.43% (p37 of band) | -6.57% |
| AOCI / equity | -0.08% (p65 of band) | |
| ROA (annualized) | 0.19% (p9 of band) | 1.17% |
| Net interest margin | 3.57% (p32 of band) | 3.93% |
| Efficiency ratio | 93.30% (p92 of band) | |
| Noncurrent loans | 0.61% (p59 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p54 of band) | |
| Reserve coverage of noncurrent | 124.06% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 9.99% (p38 of band) | |
| Auto loans | $926,000 (0.48% of loans; DQ 1.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | loans exceed deposits |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | liquid assets <10% |  |
| 2013-09 | 4 | losing money, charge-offs p90 | loans exceed deposits |
| 2013-12 | 1 |  | reserve under noncurrent, liquid assets <10%, charge-offs p90 |
| 2014-03 | 0 |  | losing money |
| 2014-06 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 2 |  | losing money, noncurrent p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling, noncurrent p90 | charge-offs p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | noncurrent p90 |
| 2017-03 | 4 | expense ratio p90, noncurrent p90, charge-offs p90 | capital falling |
| 2017-06 | 3 |  | expense ratio p90 |
| 2017-09 | 2 |  | noncurrent p90 |
| 2017-12 | 3 | noncurrent p90 |  |
| 2018-03 | 2 | capital falling | charge-offs p90, noncurrent p90 |
| 2018-06 | 3 | losing money |  |
| 2018-09 | 4 | loans exceed deposits, liquid assets <10% | losing money |
| 2018-12 | 3 |  | liquid assets <10% |
| 2019-03 | 3 | expense ratio p90 | capital falling |
| 2019-06 | 2 |  | expense ratio p90 |
| 2019-09 | 3 | liquid assets <10% |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | loans exceed deposits | capital falling |
| 2020-12 | 2 | noncurrent p90 | loans exceed deposits |
| 2021-03 | 2 | capital falling | noncurrent p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 | AOCI drag >20% of equity | reserve under noncurrent, capital falling |
| 2022-09 | 4 | securities losses >30% of equity, expense ratio p90, reserve under noncurrent |  |
| 2022-12 | 5 | uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits leaving |
| 2023-06 | 3 | securities losses >30% of equity |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | deposits shrinking | securities losses >30% of equity |
| 2024-03 | 4 | losing money, assets shrinking | reserve under noncurrent |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 4 |  | capital falling |
| 2024-12 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | losing money |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | deposits shrinking |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 1 |  | reserve under noncurrent, deposits shrinking |

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

- 2026-08-20 [Despite Pleas From 'Joliet's Hometown Bank For Over 50 Years,' City Council Changes Banking Institution - Patch](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQUnR3TS1GemZ4dEZkZXlrUnUtWkZUdmR3ZnhfQ0VqN0xoeFN6V29jV2lrblNVdEsxbW94ajRlTmxJTFZyTVpIcUJFV3Y2eG9WWHQxYi1saU5iQVpvcG5WclQ2ME92aUdxay1ON25FWklMYXI3Q3dnT3FzaU1XSk82TVYxUEt5NlZvTElpc3FlTnNpeTZZVFZ4dVVodzJmV2N0akVlZDVrN19xbzdFZnlPZzZfYUZnU0VF?oc=5) · Patch
- 2026-08-17 [Sosik leads Hometown Financial, the state’s fastest-growing bank, to new heights - The Boston Globe](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQelVyTVVYYXREN2hOOW55bDdPaEdXZ2FTTGJvUHV4bGw3TEtlOGc0dEhoVExXZ1hiMGFzSm1PU1ZIUUE3cHkyaHVPR0p6VmdndUxhaFhNSXYtVUNlb01JcXVmLVpNNFJmbm81TzNHd1RUaG9CR0JXNWg4WGJPYUNRZVBraXlmLVFtR2Uw?oc=5) · The Boston Globe
- 2026-04-01 [Spotlight On: Allan Rasmussen, President & CEO, HomeTown Bank, N.A. - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdE9qN1ZYLWdBTkZKSlJXaFJtZFJsYUdCSEJHeHU3b1g2LVNVUFV6b0owQkxwb1VlbVNGTW1BTnFKTWNhNDhWRmVuUWVQd0RxUkdHdDg5cTk5M0tleFR6SzA2MHJpcFVPRHpvRktzUEU0aXhpak1DZlh4cjhDRXQzYVFrUjZxdnlsTEhIRUMwaTdXYlVjVEJaU2pBbkNHSlMzMEE?oc=5) · Capital Analytics Associates
- 2026-06-17 [HomeTown Bank marks 60 year anniversary with week-long celebration - Community Impact](https://news.google.com/rss/articles/CBMiswFBVV95cUxNdGdEMUg2dmhnclRoaDNtQ3hSOHk0aEZBNHNRMGZPbHZsLVNTNUYwM250a0Q2akdqNkt5TkVoMUtIdGJEUkdScndKa1B4WmlueEp5UDJXS3c1UUFDOVFzNG9PN3hUMkFvWWdrc3V2MTZCbTlUX2dMWFlfWjBGLWtQM0tzeDNzYTQ2b1ZoQUUyTldRWG9TRkhvamh0Ul9qVjRrMXJrYzZWYXMtVzJjQ00xV0V6aw?oc=5) · Community Impact
- 2026-04-29 [Northwest Bank CEO: 'We want to be recognized as a hometown bank' in Columbus - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNUlRVdlJ6MXNtZDRyZmdkQVdnZnVYaUh5Y25VTW55RlZWTFQ5WVB0aXdEQnBkM2UwSXRIbFI5ZkM1aGtGM2VFTWJtd1d0dzlPS1BUQUFJZXBLNFpTQlpyYUhfOXZpYl9Nb3lSbTBDZnBhVXpVVHEtMGRkbUZMT0xNSFgzZkhYeUZHVlgtaWZkZ2hreGVkY2xfZzFDclQ4UEY2?oc=5) · The Business Journals
- 2026-05-07 [Pope Leo Calls Hometown Bank to Update Information. Then Customer Service Representative Hangs Up on Him - People.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPNDlqUUNqWlcxNlZYdkxFWGdRWnFaMUZUOWRkR1Etc0dqTVFaa0ZKYjRNYWFOTGwyUTZMeTJRVVFZMU15MW45MFNNOWQwMmJ6YjNidzg0YXQyZE9VMVptVkFzQzgzM2UzcjR0dnRBY0RvNno0SURpNExaX1BYR3NveHFR?oc=5) · People.com
- 2026-01-21 [Hometown Bank Foundation gives new life to former Kent store - Akron Beacon Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxPM29aanFlMHRFc2FDN2tFOW5lVHlWejdQeFozbDRGbFpvSzdubVZmSVlsVlI0VkYyZ1N1TV9JeXpkbE9lWEhEVlVVX2hKb05tcm9ZVXcxUS1JWXFDT01JUmxhaVF5Q2c3RXBKN0I5aWI4eWgwaUg2eEN3OGZoajBpRmRYNHo5Y2pVbTAwb3c5eDdMdGtia2N6R0tIemJ0SVY5REtsUEc1VERVZ0hmMFoxRUJXT19LcnBHck14dzRZNW1HYnExWmkyVGFsa24?oc=5) · Akron Beacon Journal
- 2026-05-11 [bankESB to become TruNorth Bank this summer - Daily Hampshire Gazette](https://news.google.com/rss/articles/CBMihAFBVV95cUxNM1lxbF8zUWx4SGFHaFJuQk56SUhjSjI3M0Q0MFBTeXY1UXBXZVBXNTBRM2ZlZTdUdmt4bHN3OU1DSFgwcnZhbl9obERSZUZlOFNpRERac205RkNqV2JjeExGMHRacV9KVUJVUkl6dzFNMi10WXhhTWJ6ejNiYm1sLWl3d2U?oc=5) · Daily Hampshire Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30219 (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/11.json (key "30219", 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