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
Unfavorable gap of $13.5M · efficiency ratio beats 40% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.60% | 1.01% | 1.45% | Beats 45% | 343 / 629 | |
| Return on Equity | 9.99% | 5.38% | 9.30% | 13.28% | Beats 54% | 291 / 629 | |
| Net Interest Margin | 3.35% | 3.03% | 3.54% | 4.05% | Beats 40% | 377 / 629 | |
| Efficiency Ratio | 71.65% | 58.35% | 67.79% | 79.08% | Beats 40% | 379 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.03% | 0.09% | 0.46% | 1.20% | Beats 13% | 506 / 581 | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.01% | 0.06% | Beats 25% | 435 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 18.97% | 11.24% | 13.84% | 18.77% | Beats 76% | 153 / 629 | |
| Total Risk-Based Capital Ratio | 20.07% | 11.58% | 14.43% | 19.66% | Beats 76% | 149 / 629 | |
| Equity / Assets | 9.54% | 9.09% | 10.65% | 13.80% | Beats 33% | 422 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 71.41% | 67.24% | 80.90% | 93.48% | 33rd pctl | 400 / 594 | |
| Loans / Assets | 60.94% | 53.31% | 67.71% | 78.15% | 36th pctl | 403 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |