Corbin, KY · Cert 35455 · Hometown Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.53% | 0.54% | 0.53% | 0.65% | 0.82% | 0.75% | 0.81% | +29 bps | |
| Return on Equity | 9.28% | 9.50% | 10.10% | 9.63% | 11.10% | 12.73% | 11.33% | 12.23% | +261 bps | |
| Net Interest Margin | 2.73% | 2.83% | 2.91% | 2.95% | 3.12% | 3.42% | 3.32% | 3.59% | +64 bps | |
| Efficiency Ratio | 84.28% | 82.04% | 81.83% | 83.22% | 80.51% | 75.81% | 78.02% | 77.09% | -614 bps | |
| Non-Interest Burden | 2.11% | 2.14% | 2.19% | 2.29% | 2.33% | 2.31% | 2.36% | 2.49% | +20 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 / Loans | 0.59% | 0.49% | 0.60% | 0.60% | 0.58% | 0.54% | 0.53% | 0.52% | -8 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.22% | 0.10% | 0.10% | 0.10% | 0.08% | 0.06% | 0.09% | -1 bps | |
| Allowance / Loans | 0.86% | 0.83% | 0.84% | 0.85% | 0.84% | 0.83% | 0.84% | 0.84% | -1 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.7x | 1.4x | 1.4x | 1.4x | 1.5x | 1.6x | 1.6x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.15% | 8.07% | 8.23% | 7.96% | 8.02% | 8.52% | 8.60% | 8.78% | +82 bps | |
| Total Risk-Based Capital | 12.86% | 12.81% | 12.96% | 12.97% | 12.94% | 12.91% | 13.28% | 13.22% | +25 bps | |
| Equity / Assets | 5.92% | 5.18% | 5.57% | 5.35% | 6.33% | 6.61% | 6.62% | 6.65% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.65% | 64.33% | 64.66% | 61.50% | 66.22% | 70.99% | 69.65% | 71.40% | +990 bps | |
| Liquid Assets / Assets | 5.28% | 4.68% | 5.50% | 10.09% | 5.27% | 3.63% | 3.28% | 3.64% | -645 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 289% | 291% | n/a | n/a | |