What are the current interest rates at Hometown Bank of PA?

Current rates for Hometown Bank of PA include: 12-Month CD: 4.00%, 24-Month CD: 3.15%

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Hometown Bank of PA

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Hometown Bank of PA Rates & Review September 2026

Q: How many branches does Hometown Bank of PA operate?

Hometown Bank of PA currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Hometown Bank of PA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hometown Bank of PA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 15, 2026

Hometown Bank of PA's 13-Month Certificate of Deposit rates are at 4.00%, 25-Month Certificate of Deposit rates are at 3.15%. MonitorBankRates evaluates the financial stability of Hometown Bank of PA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.37%. Rates last updated and verified on 09/15/2026.

Hometown Bank of PA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hometown Bank of PA? Share your experience about Hometown Bank of PA by leaving a review below, or read customer reviews before you decide to use Hometown Bank of PA.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.37%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Hometown Bank of PA

638 E Pitt St
Bedford, PA 15522

https://www.hometownbankpa.com

Hometown Bank of PA CD Rates

Product	Rate	APY	Term
13 Month Certificate of Deposit	-	4.00%	13 Month
No additional details. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
25 Month Certificate of Deposit	-	3.15%	25 Month
No additional details. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%

Hometown Bank of PA Home Equity & HELOC

Product	Rate	Points	APR
Fixed Home Equity Loans	-	-	5.50%
Details As low as Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%
Fixed Home Equity Loans	-	-	6.25%
No additional details. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Hometown Bank of PA’s Texas Ratio rose from 0.32% in Q3 2023 to 10.37% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$454M	10.37%	5.0	A
March 31, 2026	$453M	11.15%	5.0	A
December 31, 2025	$438M	12.05%	5.0	A
September 30, 2025	$430M	0.45%	5.0	A+
June 30, 2025	$409M	0.49%	5.0	A+
March 31, 2025	$398M	0.51%	5.0	A+
December 31, 2024	$384M	1.31%	5.0	A+
September 30, 2024	$387M	1.22%	5.0	A+
June 30, 2024	$418M	0.29%	4.8	A+
March 31, 2024	$419M	0.30%	4.7	A
December 31, 2023	$372M	0.31%	5.0	A+
September 30, 2023	$367M	0.32%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Hometown Bank of PA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Hometown Bank of PA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hometown Bank of PA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Hometown Bank of PA

FDIC Certificate # 58470

Address 638 E Pitt St, Bedford, PA 15522 · Bedford

Website https://www.hometownbankpa.com

Established 20070409

FDIC Insurance Date 20070409

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3537%

Return on Equity (ROE) 16.9000%

Non-Performing Loans (NPL) 0.84%

Total Assets $453,854,000

Total Deposits $415,136,000

Equity Capital $36,803,000

Net Income $3,035,000

Headquarters Bedford

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Hometown Bank of PA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/hometown-bank-of-pennsylvania-rates-review-58470">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Hometown Bank of PA

How many branches does Hometown Bank of PA operate?

Hometown Bank of PA currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Hometown Bank of PA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hometown Bank of PA provides members with tools to manage their accounts and build a solid financial history.

Does Hometown Bank of PA offer online and mobile banking?

Most modern institutions like Hometown Bank of PA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hometownbankpa.com.