Hometown Bank of Pennsylvania: how it compares with its peers
Against 38 PA banks with half to twice its assets, Hometown Bank of Pennsylvania's strongest measure in Q2 2026 is return on assets (1.35% vs. a 0.80% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 0.80% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.90% | 3.34% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.19% | 67.49% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.4M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.25% | 78.41% | Context |
What it means for lending operations
Its efficiency ratio of 53.19% is better than the 67.49% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- United Savings Bank Philadelphia, PA · $461M
- Elderton State Bank Elderton, PA · $465M
- The Neffs National Bank Neffs, PA · $471M
- Community State Bank of Orbisonia Orbisonia, PA · $473M
- SSB Bank Pittsburgh, PA · $430M
- Marion Center Bank Indiana, PA · $425M
Questions about Hometown Bank of Pennsylvania
How big is Hometown Bank of Pennsylvania?
Hometown Bank of Pennsylvania, established in 2007, is headquartered in Bedford, PA. It reported $454M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Hometown Bank of Pennsylvania's return on assets?
1.35% annualized in Q2 2026, against a 0.80% median for 38 PA banks with half to twice its assets, ahead of 84% of them.
What is Hometown Bank of Pennsylvania's efficiency ratio?
53.19% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 67.49%, and lower is better.
Is Hometown Bank of Pennsylvania growing its loans?
Net loans grew 24.5% over the year to Q2 2026, while deposits grew 10.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.