HOMETOWN BANK
KENT, OHIO · FDIC Cert #30219
Capital & Safety Analysis
According to FDIC financial data, HOMETOWN BANK holds a Tier 1 capital ratio of 10.08%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HOMETOWN BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HOMETOWN BANK shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HOMETOWN BANK has a Bank Health Score of C (61/100). It holds a Tier 1 capital ratio of 10.08%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HOMETOWN BANK holds $254M in total assets and $217M in total deposits. It is located in KENT, OHIO (FDIC Certificate #30219).
HOMETOWN BANK has a Tier 1 capital ratio of 10.08%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.47%, and the return on assets is -0.47%.
Yes. HOMETOWN BANK is FDIC-insured (Certificate #30219). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.