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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

$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