Total Assets
$1.6B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$1.3B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$18M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
53rd percentile nationally
1.14%
Return on Equity (ROE)
9.94%
Efficiency Ratio
55.19%
What the numbers say about Bankhometown
Bankhometown is an FDIC-insured institution (Certificate #26523) headquartered in Oxford, Massachusetts, established in 1889. It holds $1.6B in total assets - 717th of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $1.3B in net loans. Capital-wise, the Tier 1 ratio sits at 13.85%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 16.43%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bankhometown sits 37th of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Massachusetts by total assets
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.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bankhometown's health grade?▼
Bankhometown receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bankhometown?▼
Bankhometown holds $1.6B in total assets and $1.3B in deposits, ranking 717th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oxford, Massachusetts.
Is my money safe at Bankhometown?▼
Yes, deposits at Bankhometown (Certificate #26523) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bankhometown's Tier 1 Capital Ratio?▼
Bankhometown has a Tier 1 Capital Ratio of 13.85%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bankhometown?▼
Bankhometown has a Texas Ratio of 16.43%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bankhometown?▼
Bankhometown has an Efficiency Ratio of 55.19%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bankhometown's profile as a depositor or analyst.
- Bankhometown's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bankhometown against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.