What is Bankhometown's financial health grade?

Bankhometown has a TFS Financial Health Grade of C (score: 73.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Bankhometown have?

Bankhometown has 15 branch locations across the United States.

Is Bankhometown FDIC insured?

Yes, Bankhometown is FDIC insured (Certificate #26523).

What are the total assets of Bankhometown?

Bankhometown has total assets of $1.6B as reported in its most recent FDIC filing.

Bankhometown

BankOxford, Massachusetts

www.bankhometown.com

Total Assets

$1.6B

Total Deposits

$1.3B

Branches

Established

1889

TFS Health Grade

73.4 / 100

Average financial health

How we grade

Bankhometown is a bank headquartered in Oxford, Massachusetts, established in 1889. With $1.6B in total assets and 15 branch locations, it has a TFS Financial Health Grade of C (73.4/100).

Capital & Safety

Tier 1 Capital Ratio

11.15%(8%)

Total Capital Ratio

15.10%(10%)

Non-Performing Loan Ratio

2.60%

Profitability

Return on Assets (ROA)

1.14%(1%)

Return on Equity (ROE)

9.94%(10%)

Net Interest Margin

3.74%

Efficiency Ratio

55.19%(60%)

Lending & Liquidity

Total Loans

$1.3B

Loan-to-Deposit Ratio

95.17%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+4.30%

Deposit Growth (YoY)

+3.73%

Net Income

$17.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
BankhometownHQ	31 Sutton Ave	Oxford	MA	11
Bankhometown	13 Canterbury Rd	Brooklyn	CT	11
Bankhometown	3 Central St	Danielson	CT	11
Bankhometown	865 Riverside Dr	North Grosvenordale	CT	11
Bankhometown	182 Main St	Putnam	CT	11
Bankhometown	148 Route 171	Woodstock	CT	11
Bankhometown	90 Exchange St	Athol	MA	11
Bankhometown	569 Southbridge St	Auburn	MA	11
Bankhometown	9 Sack Blvd	Leominster	MA	11
Bankhometown	109 Elm St	Millbury	MA	11
Bankhometown	131 Main Street	South Lancaster	MA	11
Bankhometown	331 Main St	Sturbridge	MA	11
Bankhometown	4 Gore Rd	Webster	MA	11
Bankhometown	270 Grove St	Worcester	MA	11
Bankhometown	1001 Millbury St	Worcester	MA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.