Total Assets
$438M
Total balance-sheet footings
FDIC Cert #58470 · Bedford, Pennsylvania · Est. 2007
Hometown Bank of Pennsylvania - FDIC Bank Health Profile
A community-scale look at Hometown Bank of Pennsylvania's own numbers, pulled straight from its quarterly FDIC Call Report.
- $438M
- Total assets
- B
- Health grade · Good
- 0.98%
- Return on assets
- 10.3%
- Tier 1 capital
Data updated July 2026
The verdict
Hometown Bank of Pennsylvania earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.31% Tier 1, 0.98% ROA, efficient (58% cost ratio).
- #1,961
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 10.31%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Hometown Bank of Pennsylvania's 70/100 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 of Pennsylvania's composite health score
Tier 1 Capital Ratio (10.31%) 28/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (11.20%) 16/20
Efficiency Ratio (57.95%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$402M
Customer-funded liabilities
Net Loans
$330M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hometown Bank of Pennsylvania ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hometown Bank of Pennsylvania's score of 70/100 falls in the highlighted band.
Hometown Bank of Pennsylvania'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 of Pennsylvania's $438M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.31%
Texas Ratio
11.20%
Equity Capital
$35M
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
12.50%
Efficiency Ratio
57.95%
What the numbers say about Hometown Bank of Pennsylvania
Hometown Bank of Pennsylvania is an FDIC-insured institution (Certificate #58470) headquartered in Bedford, Pennsylvania, established in 2007. It holds $438M in total assets - 1,961st of 4,313 FDIC-insured banks, $402M in customer deposits, and $330M in net loans. Capital-wise, the Tier 1 ratio sits at 10.31%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 11.20%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Hometown Bank of Pennsylvania sits 75th of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$22M
Interest Income
$2M
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 of Pennsylvania reports a Texas Ratio of 11.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hometown Bank of Pennsylvania (FDIC Cert #58470) - 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 Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Hometown Bank of Pennsylvania's health grade?▼
Hometown Bank of Pennsylvania receives a health grade of B (70/100) 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 Hometown Bank of Pennsylvania?▼
Hometown Bank of Pennsylvania holds $438M in total assets and $402M in deposits, ranking 1,961st of 4,313 FDIC-insured banks by asset size. It is headquartered in Bedford, Pennsylvania.
Is my money safe at Hometown Bank of Pennsylvania?▼
Yes, deposits at Hometown Bank of Pennsylvania (Certificate #58470) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hometown Bank of Pennsylvania's Tier 1 Capital Ratio?▼
Hometown Bank of Pennsylvania has a Tier 1 Capital Ratio of 10.31%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Hometown Bank of Pennsylvania?▼
Hometown Bank of Pennsylvania has a Texas Ratio of 11.20%. 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 Hometown Bank of Pennsylvania?▼
Hometown Bank of Pennsylvania has an Efficiency Ratio of 57.95%. 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 Hometown Bank of Pennsylvania's profile as a depositor or analyst.
- Hometown Bank of Pennsylvania's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hometown Bank of Pennsylvania against other Pennsylvania banks before moving funds. Pennsylvania 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.