🏦Bank Scorer

HOMETOWN BANK

KENT, OH · Supervised by FDIC

Est. 1898FDIC #30,219RSSD: FDIC-30219
Part ofHOMETOWN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.04%

Institution Profile

FDIC BankFind

Address

142 N Water St, KENT, OH

County

Portage County

Established

January 1, 1898

Total Assets

$250M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$250M

Total Deposits

$199M

Net Loans

$190M

Net Income

$24K

ROA

0.04%

ROE

0.50%

Risk-Based Capital

11.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.40%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$216M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202447677.73%8.40%
202347977.04%10.44%
20221,46877.93%9.81%
20212,76780.2%8.17%
20203,83081.04%8.02%
20191,80477.49%11.47%
20181,61578.33%11.21%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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