# HOMETOWN BANK OF PA
BEDFORD, PA · FDIC certificate 58470 · asset band $300M-1B · 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 | $453.9M | |
| Deposits | $415.1M | |
| Loans and leases | $357.1M | |
| Total equity | $36.8M | |
| Loans / deposits | 85.25% (p59 of band) | 82.04% |
| Liquid assets / assets | 19.86% (p32 of band) | |
| Uninsured deposits / deposits | 19.97% (p29 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.33% (p4 of band) | 10.81% |
| Unrealized securities loss / equity | -2.11% (p78 of band) | -8.10% |
| AOCI / equity | -1.45% (p13 of band) | |
| ROA (annualized) | 1.35% (p55 of band) | 1.28% |
| Net interest margin | 3.90% (p50 of band) | 3.91% |
| Efficiency ratio | 53.19% (p25 of band) | |
| Noncurrent loans | 1.07% (p74 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 82.57% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 26.95% (p33 of band) | |
| Auto loans | $438,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | reserve under noncurrent | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | liquid assets <10% |  |
| 2014-09 | 1 |  | liquid assets <10% |
| 2014-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | leverage <7% |  |
| 2021-12 | 0 |  | capital falling, leverage <7% |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2025-03-18 [Bank donates $125K to support early college program - - Altoona Mirror](https://news.google.com/rss/articles/CBMipwFBVV95cUxNdGNjTUYyajJQNTMzWlpTbWFyd2ZBbzJCVTVaS1BlUkhFa3RwWlhQeGpMc25EOWgzVEozcEowX0FKLXVvU3JVa0N5aHVRMjBlclBWUnVzWF91OExKWnhmWF9jNy1tem5OQUdBSmtrd1JYUExEWXJOQmxRQzdkUkxzWUZSR3dGdG90SnJwQ1ZfTGE5QVVaMkZFQWxzdHdYbjFwV01aaEpMaw?oc=5) · Altoona Mirror
- 2019-10-30 [Hometown Bank celebrates new location - Bedford Gazette](https://news.google.com/rss/articles/CBMivgFBVV95cUxPZlpMaFYwTE9hOWNKSnVWaF8tbzFuczdIMEhGMlQ3dnF6TFdxbHpQRWhmc3dESFNmZTRBaXhoTnlUcTQ3M3hIckN4WHV2Z3dkbnJJSl8yR3BLaE5KMVd2N1k0alYyaENiNVQtUTJHdzVqMU1DSEdSc0VKMV9WazB2M0Z5emJ0MW51SGRkNnlTMGdMTVhCYXlpUDNBbmtMVGdFYk1fNng1SjU2VF9xWS1ldm9TQWZtX0d3RHhWSG9B?oc=5) · Bedford Gazette
- 2024-02-28 [Brady Lane Duncan Obituary Dec 25, 2021 - geiselfuneral.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5sSHhiQXZLLWpTZWFxMVBjMkRKZzJ3aE8ta0gtUzRCX2ZOZkZEZXRiWU1zbzc5TjRjNWlzMi0ybmZEMEUwZEdKbWRmRk5HT1Uxd2s1eEpSaEF4akQybExDVWVGOA?oc=5) · geiselfuneral.com
- 2024-03-05 [BCDA announces new board members for 2024 - Bedford Gazette](https://news.google.com/rss/articles/CBMizgFBVV95cUxOZXFUSy1QS3h2YW5ONGlMd3NKMlNJVkpYWktVbWlSNzFXSC1jaV9PNXF2U1hPX3FqWThYYUk0RnJBdjRtQWgwbWFRRUY4bUI2ajJPWmlCYmh6cDdSMU9sWkRyR3NrcFpIOFVxSDJ0M3VYZkY3MmIzWTZCSmEzaHhWUGhvay1hSHpVYTJCSFRBdmJscVZ2SGlYTXFrV3NWSHBrT29vWkRkOWJFMnZSaXdmV0lNZkItcl9SQ215RTg4dDI4T1BfMnVGWDZ3TF9Tdw?oc=5) · Bedford Gazette
- 2022-11-05 [PAWing It FOREward golf event raises $27,000 - - Altoona Mirror](https://news.google.com/rss/articles/CBMinAFBVV95cUxQamFuc0hjYW80QXlUMjVrUlg2VXNYT3FoTGhXdnFMUDBPQ1Y3R1VyTDRWQlRVUm12YmRrVWtCVEhkLU1pNTlkQmwyMlNuSkNpOERWRVc5Q3kzWE9IbzZMRmR6ak9JaWJHbkRsSXFvaHJRdjZ6QWhnRENLU0RHVEFvYTFvRUEwVXpvSEcySjNMREwtVzFJNG1VbjNoRHI?oc=5) · Altoona Mirror
- 2025-09-13 [‘PAWing IT FOREward’ raises $35,705 - Altoona Mirror](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTjV5ckZoWWtxLWY3SWJCeE5rZFpyZDI3TUctSkZXQ0pBOWd0R0hheEc4Q09nTk00R3VPNk93VTh4WWhCZ3hFNkliTWRWa0NuQzBLUXdOa2d0R3RUMFhNdktOdDlTbjNJUjN0NUFRR2lDSVdNUTQ2cldOU1lZQi1EZHNEN3FMSmJCbEZNMUNB?oc=5) · Altoona Mirror

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58470 (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/38.json (key "58470", 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