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
Unfavorable gap of $7.4M · efficiency ratio beats 13% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.83% | 1.18% | 1.44% | Beats 22% | 54 / 69 | | |
| Return on Equity | 11.63% | 7.64% | 11.70% | 15.70% | Beats 48% | 36 / 69 | | |
| Net Interest Margin | 3.46% | 3.45% | 3.75% | 3.96% | Beats 28% | 50 / 69 | | |
| Efficiency Ratio | 77.53% | 55.32% | 62.99% | 70.80% | Beats 13% | 61 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.18% | 0.52% | 1.14% | Beats 51% | 35 / 69 | | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.02% | 0.06% | Beats 19% | 57 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 12.47% | 11.33% | 13.58% | 16.27% | Beats 36% | 44 / 69 | | |
| Total Risk-Based Capital Ratio | 13.22% | 11.55% | 14.43% | 17.27% | Beats 41% | 41 / 69 | | |
| Equity / Assets | 6.65% | 8.31% | 9.91% | 12.53% | Beats 6% | 65 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.40% | 71.40% | 81.07% | 88.03% | 25th pctl | 52 / 69 | | |
| Loans / Assets | 63.33% | 61.10% | 68.66% | 76.68% | 33rd pctl | 46 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |