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Letter portraitLegal landscapeQuarterYTD

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