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Hometown Bank of Corbin Inc.

Corbin, KY · Cert 35455 · Hometown Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hometown Bank of Corbin Inc.

Corbin, KY · Cert 35455 · Hometown Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$302.3MAssets
$191.4MLoans
$268.1MDeposits
$20.1MEquity
Loan mix
87%RE $159.8M8%C&I $13.8M5%Consumer $9.5MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $205.5M23%Noninterest $62.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.78%, up 25 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.52% of loans (-8 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 8.78%, up 82 bps from a year ago.
  • Funding: loans stand at 71.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+59 bps YoY

Efficiency Ratio (YTD, annualized)

77.53%-501 bps YoY

Tier 1 Leverage Ratio

8.78%+82 bps YoY

NIM

4.17%Q2 ’244.30%Q2 ’254.63%Q2 ’26+7%+20%

Non-interest income vs. expense

3.24%Q2 ’243.18%Q2 ’253.54%Q2 ’26-5%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.40%0.54%0.53%0.57%0.63%0.75%0.78%+25 bps
Return on Equity6.30%7.25%10.10%9.91%10.23%10.94%11.33%11.76%+185 bps
Net Interest Margin2.63%2.64%2.91%2.87%2.95%3.17%3.32%3.46%+59 bps
Efficiency Ratio87.74%86.24%81.83%82.54%81.84%80.19%78.02%77.53%-501 bps
Non-Interest Burden2.18%2.14%2.19%2.20%2.24%2.33%2.36%2.43%+23 bps
Growth
Asset Growth (YoY)7.57%7.60%4.96%10.97%-0.11%-0.02%0.42%-2.24%-1,321 bps
Loan Growth (YoY)6.17%5.70%4.69%0.15%3.02%6.51%6.25%10.98%+1,083 bps
Deposit Growth (YoY)11.09%14.23%8.55%14.35%-0.99%-3.48%-1.37%-4.41%-1,876 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.49%0.60%0.60%0.58%0.54%0.53%0.52%-8 bps
Net Charge-Offs / Loans0.13%0.15%0.10%0.10%0.10%0.09%0.06%0.07%-3 bps
Allowance / Loans0.86%0.83%0.84%0.85%0.84%0.83%0.84%0.84%-1 bps
Allowance Coverage of NPLs1.5x1.7x1.4x1.4x1.4x1.5x1.6x1.6x+0.2x
Capital
Tier 1 Leverage Ratio8.15%8.07%8.23%7.96%8.02%8.52%8.60%8.78%+82 bps
Total Risk-Based Capital12.86%12.81%12.96%12.97%12.94%12.91%13.28%13.22%+25 bps
Equity / Assets5.92%5.18%5.57%5.35%6.33%6.61%6.62%6.65%+130 bps
Liquidity & Funding
Loans / Deposits63.65%64.33%64.66%61.50%66.22%70.99%69.65%71.40%+990 bps
Liquid Assets / Assets5.28%4.68%5.50%10.09%5.27%3.63%3.28%3.64%-645 bps
CRE / Total Capitaln/an/an/an/a288%289%291%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hometown Bank of Corbin Inc.

Corbin, KY · Cert 35455 · Peer group: banks under $1B in assets in KY (n=69) · Hometown Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$302.3MAssets
$191.4MLoans
$268.1MDeposits
$20.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 51% of banks under $1B in assets in KY (rank 35 of 69).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets in KY (rank 65 of 69).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.77%

Rank 54 of 69

Net Interest Margin

3.46%

Rank 50 of 69

Efficiency Ratio

77.53%

Rank 61 of 69

Equity / Assets

6.65%

Rank 65 of 69

Non-interest income vs. expense

$3.4M$10.8MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 13% of banks under $1B in assets in KY
Bank 77.53%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.77%0.83%1.18%1.44%Beats 22%54 / 69
Return on Equity11.63%7.64%11.70%15.70%Beats 48%36 / 69
Net Interest Margin3.46%3.45%3.75%3.96%Beats 28%50 / 69
Efficiency Ratio77.53%55.32%62.99%70.80%Beats 13%61 / 69
Asset Quality
Nonperforming Loans / Loans0.52%0.18%0.52%1.14%Beats 51%35 / 69
Net Charge-Offs / Loans0.07%0.01%0.02%0.06%Beats 19%57 / 69
Capital
Tier 1 Capital Ratio12.47%11.33%13.58%16.27%Beats 36%44 / 69
Total Risk-Based Capital Ratio13.22%11.55%14.43%17.27%Beats 41%41 / 69
Equity / Assets6.65%8.31%9.91%12.53%Beats 6%65 / 69
Liquidity & Funding
Loans / Deposits71.40%71.40%81.07%88.03%25th pctl52 / 69
Loans / Assets63.33%61.10%68.66%76.68%33rd pctl46 / 69
Brokered Deposits / Depositsn/aNot reported for this institution