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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.82% | 0.91% | 0.94% | 0.95% | 1.52% | 2.28% | 1.63% | +69 bps | |
| Return on Equity | 15.33% | 17.18% | 19.37% | 19.33% | 18.70% | 28.61% | 34.77% | 23.82% | +450 bps | |
| Net Interest Margin | 2.76% | 2.64% | 2.88% | 2.91% | 2.90% | 2.88% | 3.09% | 3.30% | +39 bps | |
| Efficiency Ratio | 69.69% | 67.71% | 65.01% | 63.83% | 63.36% | 51.82% | 45.10% | 53.33% | -1,050 bps | |
| Non-Interest Burden | 1.80% | 1.65% | 1.73% | 1.72% | 1.70% | 0.90% | 0.25% | 1.13% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.34% | 6.01% | 11.45% | 13.16% | 16.56% | 3.45% | -6.80% | -10.14% | -2,329 bps | |
| Loan Growth (YoY) | -0.02% | 0.08% | 3.52% | 0.58% | 0.35% | -2.48% | 1.13% | 9.01% | +842 bps | |
| Deposit Growth (YoY) | 0.18% | 5.28% | 11.79% | 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% | 0.00% | 0.00% | 0.00% | 0.99% | +99 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.03% | -0.02% | -0.01% | -1 bps | |
| Allowance / Loans | 0.40% | 0.40% | 0.39% | 0.40% | 0.39% | 0.56% | 0.54% | 0.51% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.5x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.50% | 7.76% | 7.86% | 7.90% | 7.90% | 7.89% | 8.83% | 9.52% | +162 bps | |
| Total Risk-Based Capital | 14.64% | 14.55% | 15.88% | 15.30% | 16.00% | 15.74% | 16.52% | 9.52% | -578 bps | |
| Equity / Assets | 5.68% | 4.47% | 4.89% | 5.25% | 5.76% | 6.13% | 7.02% | 7.41% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.89% | 57.32% | 55.74% | 55.51% | 55.19% | 55.83% | 62.95% | 69.31% | +1,380 bps | |
| Liquid Assets / Assets | 10.91% | 17.98% | 20.09% | 21.55% | 20.51% | 19.02% | 9.42% | 7.60% | -1,395 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 238% | 213% | 201% | n/a | n/a | |