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Hometown Bank of Alabama, The

Oneonta, AL · Cert 57540 · Hometown Bcorp of Alabama Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

40

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 Alabama, The

Oneonta, AL · Cert 57540 · Hometown Bcorp of Alabama Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$660.7MAssets
$402.6MLoans
$563.9MDeposits
$63.1MEquity
Loan mix
77%RE $300.5M8%C&I $33.0M15%Consumer $58.7MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $467.8M17%Noninterest $96.1MQ2 2025Q2 2026

NIM

4.89%Q2 ’245.17%Q2 ’255.17%Q2 ’26+14%+8%

Non-interest income vs. expense

2.80%Q2 ’242.71%Q2 ’253.38%Q2 ’26-8%+51%

Market Position · Birmingham, AL · 2026 SOD (annual) · 1.0% share · #18 of 49 inst. · $0.6B of $53.8B

44.4% Blount
0.2% Jefferson

Executive Summary

  • Earnings: ROA of 0.97%, down 27 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 2.03% of loans (+115 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.08%, up 12 bps from a year ago.
  • Funding: loans stand at 71.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+25 bps YoY

Efficiency Ratio (YTD, annualized)

71.65%+1,114 bps YoY

Tier 1 Leverage Ratio

11.08%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.30%1.23%0.68%0.97%-27 bps
Return on Equity14.18%14.64%13.62%7.25%10.26%-392 bps
Net Interest Margin3.10%3.16%3.21%3.33%3.35%+25 bps
Efficiency Ratio60.51%59.66%57.95%80.69%71.65%+1,114 bps
Non-Interest Burden1.33%1.34%1.28%2.42%2.01%+68 bps
Growth
Asset Growth (YoY)2.36%0.68%2.61%2.99%3.36%+100 bps
Loan Growth (YoY)6.33%5.35%6.29%4.43%4.64%-169 bps
Deposit Growth (YoY)3.42%2.36%3.38%2.43%2.39%-103 bps
Asset Quality
Nonperforming Loans / Loans0.88%1.12%2.43%1.87%2.03%+115 bps
Net Charge-Offs / Loans0.06%0.08%0.39%-0.04%0.01%-5 bps
Allowance / Loans1.01%1.03%1.02%1.02%1.07%+6 bps
Allowance Coverage of NPLs1.2x0.9x0.4x0.5x0.5x-0.6x
Capital
Tier 1 Leverage Ratio10.96%11.28%11.54%11.01%11.08%+12 bps
Total Risk-Based Capital20.08%20.61%20.37%19.71%20.07%-1 bps
Equity / Assets8.85%9.36%9.56%9.17%9.54%+69 bps
Liquidity & Funding
Loans / Deposits69.87%72.02%73.28%71.19%71.41%+154 bps
Liquid Assets / Assets6.19%3.43%0.99%5.27%4.21%-199 bps
CRE / Total Capitaln/a82.25%82.78%84.52%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 Alabama, The

Oneonta, AL · Cert 57540 · Peer group: banks under $1B in assets (n=581-629) · Hometown Bcorp of Alabama Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$660.7MAssets
$402.6MLoans
$563.9MDeposits
$63.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 76% of banks under $1B in assets (rank 153 of 629).
  • Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets (rank 506 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.95%

Rank 343 of 629

Net Interest Margin

3.35%

Rank 377 of 629

Efficiency Ratio

71.65%

Rank 379 of 629

Equity / Assets

9.54%

Rank 422 of 629

Non-interest income vs. expense

$9.2M$22.7MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 40% of banks under $1B in assets
Bank 71.65%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.60%1.01%1.45%Beats 45%343 / 629
Return on Equity9.99%5.38%9.30%13.28%Beats 54%291 / 629
Net Interest Margin3.35%3.03%3.54%4.05%Beats 40%377 / 629
Efficiency Ratio71.65%58.35%67.79%79.08%Beats 40%379 / 629
Asset Quality
Nonperforming Loans / Loans2.03%0.09%0.46%1.20%Beats 13%506 / 581
Net Charge-Offs / Loans0.06%n/a0.01%0.06%Beats 25%435 / 581
Capital
Tier 1 Capital Ratio18.97%11.24%13.84%18.77%Beats 76%153 / 629
Total Risk-Based Capital Ratio20.07%11.58%14.43%19.66%Beats 76%149 / 629
Equity / Assets9.54%9.09%10.65%13.80%Beats 33%422 / 629
Liquidity & Funding
Loans / Deposits71.41%67.24%80.90%93.48%33rd pctl400 / 594
Loans / Assets60.94%53.31%67.71%78.15%36th pctl403 / 629
Brokered Deposits / Depositsn/aNot reported for this institution