Milan, TN · Cert 33851 · Hometown Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Jackson, TN · 2026 SOD (annual) · 2.1% share · #11 of 23 inst. · $0.1B of $4.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.99% | 3.14% | 2.28% | 0.95% | -2 bps | |
| Return on Equity | 19.17% | 17.88% | 52.87% | 34.77% | 13.22% | -596 bps | |
| Net Interest Margin | 2.97% | 2.97% | 2.88% | 3.09% | 3.28% | +31 bps | |
| Efficiency Ratio | 62.69% | 62.45% | 34.84% | 45.10% | 65.59% | +290 bps | |
| Non-Interest Burden | 1.73% | 1.70% | -1.47% | 0.25% | 2.00% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.16% | 16.56% | 3.45% | -6.80% | -10.14% | -2,329 bps | |
| Loan Growth (YoY) | 0.58% | 0.35% | -2.48% | 1.13% | 9.01% | +842 bps | |
| Deposit Growth (YoY) | 12.70% | 14.36% | 0.12% | -10.46% | -12.70% | -2,540 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.99% | +99 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.10% | -0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 0.40% | 0.39% | 0.56% | 0.54% | 0.51% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.5x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.90% | 7.90% | 7.89% | 8.83% | 9.52% | +162 bps | |
| Total Risk-Based Capital | 15.30% | 16.00% | 15.74% | 16.52% | 9.52% | -578 bps | |
| Equity / Assets | 5.25% | 5.76% | 6.13% | 7.02% | 7.41% | +216 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.51% | 55.19% | 55.83% | 62.95% | 69.31% | +1,380 bps | |
| Liquid Assets / Assets | 21.55% | 20.51% | 19.02% | 9.42% | 7.60% | -1,395 bps | |
| CRE / Total Capital | n/a | 238% | 213% | 201% | n/a | n/a | |