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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

5.02%Q2 ’245.27%Q2 ’255.23%Q2 ’26+14%+7%

Non-interest income vs. expense

2.80%Q2 ’242.72%Q2 ’253.01%Q2 ’26-3%+18%

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 1.25%, down 14 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 2.03% of loans (+115 bps YoY), with net charge-offs at 0.06%.
  • 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 (quarter, annualized)

1.25%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.41%+23 bps YoY

Efficiency Ratio (quarter, annualized)

62.84%+273 bps YoY

Tier 1 Leverage Ratio

11.08%+12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.42%1.02%0.68%1.25%-14 bps
Return on Equity15.87%15.59%10.74%7.25%13.33%-254 bps
Net Interest Margin3.19%3.31%3.36%3.33%3.41%+23 bps
Efficiency Ratio60.11%58.03%53.11%80.69%62.84%+273 bps
Non-Interest Burden1.38%1.36%1.11%2.42%1.63%+25 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 / Loans0.05%0.11%1.33%-0.04%0.06%+1 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