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Bank, Oxford, MA
Bankhometown
Bankhometown no longer files under this name. FDIC records show it merged into TruNorth Bank on August 22, 2026. Before that it provided the first lien on 6 SBA 504 projects since October 2023.
- Kind
- Bank
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $763M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 6
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.60B
- FDIC call report,
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number or website.
- Address
- 31 Sutton Ave, Oxford, MA 01540FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 1 closed, 0 relocated.FDIC structure history. | FDIC history |
| August 22, 2026 | Merged into TruNorth Bank on August 22, 2026.FDIC structure history. | FDIC history, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 6.6% to $394.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 7.0% to $148.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 1.3% to $144.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 4.3% to $35.6M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2025 | Massachusetts | SBA 504, General Automotive Repair | $1.7M | 25 yr | SBA FOIA | ||
| Jul 2025 | Massachusetts | SBA 504, Professional, Scientific, and Technical Services | $270K | 25 yr | SBA FOIA | ||
| Apr 2025 | Massachusetts | SBA 504, Retail Trade | $1.2M | 25 yr | SBA FOIA | ||
| Jul 2024 | Massachusetts | SBA 504, Retail Trade | $330K | 25 yr | SBA FOIA | ||
| Oct 2023 | Massachusetts | SBA 504, Manufacturing | $1.6M | 25 yr | SBA FOIA | ||
| 6 SBA 504 first liens since October 2023, net of cancelled | $5.31M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $144M | 11.3% | +1.3% |
| Construction and land development | $44.9M | 3.5% | -42.0% |
| Owner-occupied CRE | $149M | 11.6% | +7.0% |
| Non-owner-occupied CRE | $394M | 30.8% | +6.6% |
| Farmland | $277K | 0.0% | Not reported |
| Commercial and industrial | $31.3M | 2.4% | -4.5% |
| Commercial total | $763M |
Reference only: $511M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $733M |
| Q4 2023 | $741M |
| Q1 2024 | $740M |
| Q2 2024 | $776M |
| Q3 2024 | $758M |
| Q4 2024 | $760M |
| Q1 2025 | $763M |
| Q2 2025 | $761M |
| Q3 2025 | $762M |
| Q4 2025 | $765M |
| Q1 2026 | $735M |
| Q2 2026 | $763M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 6 | $5.31M | $765K | $1.7M | SBA FOIA, |
How these public files were tied to this lender. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Bankhometown reported commitments to fund construction loans that had not been drawn at June 30, 2026: $20,955,000 for 1-4 family residential construction and $14,660,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $14,664,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 133 | $4.43M |
| Over $100,000 up to $250,000 | 25 | $3.96M |
| Over $250,000 up to $1 million | 27 | $12.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 116 | $4.11M |
| Over $100,000 up to $250,000 | 93 | $16.2M |
| Over $250,000 up to $1 million | 102 | $49.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1 | $10.0K |
| Over $250,000 up to $500,000 | 1 | $267K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Massachusetts HQ | 1 | 0 | 6 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Bankhometown has 15 offices in 2 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 15 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Worcester County, MA | 10 | 0 |
| Not reported | 5 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Bankhometown, FDIC certificate 26523. Compare it with the regulator's record. [FDIC BankFind]
- Loans made. 6 recorded loans from SBA files, through September 30, 2026: 6 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Bankhometown]
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For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 26523
- RSSD
- 1004470
- The Lender Report ID
- lr_001032
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $1.6B in total assets as of June 30, 2026 (FDIC call report).
- Held $763.4M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $394.2M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 6.6% from a year earlier (FDIC call report).
- Held $148.6M of owner-occupied commercial real estate loans as of June 30, 2026, up 7.0% from a year earlier (FDIC call report).
- Held $144.1M of multifamily loans as of June 30, 2026, up 1.3% from a year earlier (FDIC call report).
- Provided the first lien on 6 SBA 504 projects with $5.3M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
4 more sentences
- Merged into TruNorth Bank on August 22, 2026. Source: FDIC records.
- Held 185 commercial and industrial loans that were $1 million or less when made, with a balance of $21.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 311 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $70M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $21M for 1-4 family and $14.7M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Bankhometown, https://lender.report/lender/bankhometown-ma/, data as of December 31, 2025.
Sources
- FDIC institution record, November 9, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem