Total Assets
$247M
Total balance-sheet footings
FDIC Cert #30219 · Kent, Ohio · Est. 1898
Hometown Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $247M
- Total assets
- D
- Health grade · Weak
- 0.12%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Hometown Bank earns a PlainBankData health grade of D (45/100), with well-capitalized at 10.67% Tier 1, 0.12% ROA, 94% efficiency ratio.
- #2,747
- largest of 4,313 FDIC banks by assets
- 36th
- percentile by asset size, nationally
- 10.67%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Hometown Bank's 45/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Hometown Bank's composite health score
Tier 1 Capital Ratio (10.67%) 28/40
Return on Assets (ROA) (0.12%) 7/25
Texas Ratio (16.38%) 10/20
Efficiency Ratio (94.32%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$199M
Customer-funded liabilities
Net Loans
$191M
Outstanding loan book
Net Income
$311K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hometown Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hometown Bank's score of 45/100 falls in the highlighted band.
Hometown Bank'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). Hometown Bank's $247M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.67%
Texas Ratio
16.38%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.12%
Return on Equity (ROE)
1.71%
Efficiency Ratio
94.32%
What the numbers say about Hometown Bank
Hometown Bank is an FDIC-insured institution (Certificate #30219) headquartered in Kent, Ohio, established in 1898. It holds $247M in total assets - 2,747th of 4,313 FDIC-insured banks, $199M in customer deposits, and $191M in net loans. Looking at capital strength, Tier 1 stands at 10.67%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 16.38%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of D (45/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Ohio, Hometown Bank ranks 91st of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Hometown Bank reports a Texas Ratio of 16.38% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Hometown Bank
Hometown Bank's grade of D reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Hometown Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hometown Bank (FDIC Cert #30219) - 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 Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is Hometown Bank's health grade?▼
Hometown Bank receives a health grade of D (45/100) 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 notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Hometown Bank?▼
Hometown Bank holds $247M in total assets and $199M in deposits, ranking 2,747th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kent, Ohio.
Is my money safe at Hometown Bank?▼
Yes, deposits at Hometown Bank (Certificate #30219) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hometown Bank's Tier 1 Capital Ratio?▼
Hometown Bank has a Tier 1 Capital Ratio of 10.67%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Hometown Bank?▼
Hometown Bank has a Texas Ratio of 16.38%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Hometown Bank?▼
Hometown Bank has an Efficiency Ratio of 94.32%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Hometown Bank's profile as a depositor or analyst.
- Hometown Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hometown Bank against other Ohio banks before moving funds. Ohio 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.