FDIC Cert #26523 · Oxford, Massachusetts · Est. 1889

Bankhometown - FDIC Bank Health Profile

A community-scale look at Bankhometown's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.6B
Total assets
B
Health grade · Good
1.14%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

Bankhometown earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.85% Tier 1, profitable at 1.14% ROA, efficient (55% cost ratio).

#717
largest of 4,313 FDIC banks by assets
83rd
percentile by asset size, nationally
13.85%
Tier 1 ratio - above the 10% well-capitalized line
53rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 26523 · MA B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2318/4307
  • PHOTO-FINISH River City Bank, Inc. · KY
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-HEALTHY 16.4% Texas
  • ROA-PAR 1.14% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: River City Bank, Inc., KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bankhometown

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bankhometown · MA · this bank77/100Flint Hills Bank · KS · near77/100InFirst Bank · PA · near77/100Peoples Bank of Deer… · MT ·…77/100River City Bank, Inc. · KY ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bankhometown · July 2026

Plate reading for Bankhometown where failures stay rare

Bankhometown (FDIC Cert #26523) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,318 of 4,307. Tier 1 capital prints at 13.85%, clearing the 10% well-capitalized line. The Texas Ratio is 16.43%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.14%. Balance-sheet scale is $1.6B, 717th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is River City Bank, Inc. (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bankhometown

Only 1 FAILURE resolution in Massachusetts since 2000

Bankhometown is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How Bankhometown's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
Bankhometown's composite health score
Tier 1 Capital Ratio (13.85%) 35/40
Return on Assets (ROA) (1.14%) 20/25
Texas Ratio (16.43%) 10/20
Efficiency Ratio (55.19%) 12/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.6B

Total balance-sheet footings

Total Deposits

$1.3B

Customer-funded liabilities

Net Loans

$1.3B

Outstanding loan book

Net Income

$18M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.45% 13.85% 15.25%
Basel III capital ratios - Bankhometown

Where Bankhometown ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bankhometown's score of 77/100 falls in the highlighted band.

Bankhometown: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 46th percentile higher than 46% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bankhometown 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bankhometown's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bankhometown's $1.6B falls in the highlighted band.

Safety metrics: Bankhometown

Tier 1 capital ratio
Well-capitalized 10%

13.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.85%
Texas Ratio
16.43%
Equity Capital
$187M

What these ratios mean →

Earnings posture at Bankhometown

Return on Assets (ROA)
53rd percentile nationally
1.14%
Return on Equity (ROE)
9.94%
Efficiency Ratio
55.19%

What these mean →

Income & expense at Bankhometown

$78M
Interest Income
$10M
Non-Interest Income
$36M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bankhometown reports a Texas Ratio of 16.43% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bankhometown on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.6B here), outside Massachusetts so the neighborhood is not state containment.

Dieterich Bank $1.6B · IL The Moody National Bank $1.6B · TX The Ohio Valley Bank Company $1.6B · OH The Park Bank $1.6B · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bankhometown (FDIC Cert #26523) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bankhometown Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%