What is Hometown Bank's financial health grade?

Hometown Bank has a TFS Financial Health Grade of F (score: 55.9/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Hometown Bank have?

Hometown Bank has 5 branch locations across the United States.

Is Hometown Bank FDIC insured?

Yes, Hometown Bank is FDIC insured (Certificate #30219).

What are the total assets of Hometown Bank?

Hometown Bank has total assets of $247.4M as reported in its most recent FDIC filing.

Hometown Bank

BankKent, Ohio

www.ht.bank

Total Assets

$247.4M

Total Deposits

$198.7M

Branches

Established

1898

TFS Health Grade

55.9 / 100

Poor financial health

How we grade

Hometown Bank is a bank headquartered in Kent, Ohio, established in 1898. With $247.4M in total assets and 5 branch locations, it has a TFS Financial Health Grade of F (55.9/100).

Capital & Safety

Tier 1 Capital Ratio

8.29%(8%)

Total Capital Ratio

11.41%(10%)

Non-Performing Loan Ratio

1.76%

Profitability

Return on Assets (ROA)

0.12%(1%)

Return on Equity (ROE)

1.71%(10%)

Net Interest Margin

3.42%

Efficiency Ratio

94.32%(60%)

Lending & Liquidity

Total Loans

$192.0M

Loan-to-Deposit Ratio

95.94%

Net Charge-Off Ratio

-0.01%

Growth

Asset Growth (YoY)

-4.68%

Deposit Growth (YoY)

-9.09%

Net Income

$311.0K

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
Hometown BankHQ	142 N Water St	Kent	OH	11
Hometown Bank	4023 State Route 43	Brimfield Township	OH	11
Hometown Bank	203 N Water St	Kent	OH	23
Hometown Bank	142 N Water St	Kent	OH	27
Hometown Bank	100 E Main St	Ravenna	OH	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.