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

Deposit mix

NIM

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%.

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

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.53%	0.57%	0.63%	0.75%	0.78%	+25 bps
Return on Equity	9.91%	10.23%	10.94%	11.33%	11.76%	+185 bps
Net Interest Margin	2.87%	2.95%	3.17%	3.32%	3.46%	+59 bps
Efficiency Ratio	82.54%	81.84%	80.19%	78.02%	77.53%	-501 bps
Non-Interest Burden	2.20%	2.24%	2.33%	2.36%	2.43%	+23 bps
Growth
Asset Growth (YoY)	10.97%	-0.11%	-0.02%	0.42%	-2.24%	-1,321 bps
Loan Growth (YoY)	0.15%	3.02%	6.51%	6.25%	10.98%	+1,083 bps
Deposit Growth (YoY)	14.35%	-0.99%	-3.48%	-1.37%	-4.41%	-1,876 bps
Asset Quality
Nonperforming Loans / Loans	0.60%	0.58%	0.54%	0.53%	0.52%	-8 bps
Net Charge-Offs / Loans	0.10%	0.10%	0.09%	0.06%	0.07%	-3 bps
Allowance / Loans	0.85%	0.84%	0.83%	0.84%	0.84%	-1 bps
Allowance Coverage of NPLs	1.4x	1.4x	1.5x	1.6x	1.6x	+0.2x
Capital
Tier 1 Leverage Ratio	7.96%	8.02%	8.52%	8.60%	8.78%	+82 bps
Total Risk-Based Capital	12.97%	12.94%	12.91%	13.28%	13.22%	+25 bps
Equity / Assets	5.35%	6.33%	6.61%	6.62%	6.65%	+130 bps
Liquidity & Funding
Loans / Deposits	61.50%	66.22%	70.99%	69.65%	71.40%	+990 bps
Liquid Assets / Assets	10.09%	5.27%	3.63%	3.28%	3.64%	-645 bps
CRE / Total Capital	n/a	288%	289%	291%	n/a	n/a