Hamilton, AL · Cert 57569 · Hometown Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Florence-Muscle Shoals, AL · 2026 SOD (annual) · 0.5% share · #14 of 16 inst. · $0.0B of $3.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.09% | 1.21% | 0.92% | 1.13% | 1.01% | 1.21% | 1.08% | +16 bps | |
| Return on Equity | 12.21% | 11.62% | 12.56% | 9.54% | 11.51% | 10.14% | 11.52% | 10.28% | +74 bps | |
| Net Interest Margin | 3.32% | 3.30% | 3.30% | 3.31% | 3.39% | 3.39% | 3.46% | 3.46% | +15 bps | |
| Efficiency Ratio | 56.50% | 58.16% | 57.07% | 59.40% | 55.05% | 57.22% | 58.72% | 61.84% | +244 bps | |
| Non-Interest Burden | 1.67% | 1.72% | 1.68% | 1.77% | 1.66% | 1.75% | 1.87% | 2.01% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.10% | 4.14% | 5.44% | 5.22% | 4.36% | 4.25% | 2.52% | 3.44% | -178 bps | |
| Loan Growth (YoY) | 5.92% | 4.31% | 5.93% | 5.35% | 4.81% | 1.86% | 0.17% | -0.85% | -620 bps | |
| Deposit Growth (YoY) | 10.39% | 3.76% | 4.90% | 4.51% | 3.92% | 3.24% | 1.62% | 2.69% | -183 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 1.04% | 1.00% | 1.35% | 1.12% | 0.49% | 0.48% | 0.45% | -90 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 0.01% | 0.04% | 0.03% | 0.38% | -0.02% | 0.03% | -1 bps | |
| Allowance / Loans | 1.52% | 1.53% | 1.50% | 1.66% | 1.66% | 1.52% | 1.50% | 1.51% | -15 bps | |
| Allowance Coverage of NPLs | 4.4x | 1.5x | 1.5x | 1.2x | 1.5x | 3.1x | 3.1x | 3.4x | +2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.31% | 10.50% | 10.31% | 10.41% | 10.68% | 10.79% | 10.92% | 11.11% | +70 bps | |
| Total Risk-Based Capital | 10.31% | 10.50% | 10.31% | 10.41% | 10.68% | 10.79% | 10.92% | 11.11% | +70 bps | |
| Equity / Assets | 9.75% | 9.57% | 9.64% | 9.79% | 10.30% | 10.45% | 10.47% | 10.55% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.85% | 78.30% | 79.10% | 77.94% | 79.52% | 77.25% | 77.97% | 75.26% | -268 bps | |
| Liquid Assets / Assets | 0.44% | 0.49% | 0.54% | 0.59% | 0.65% | 0.70% | 0.75% | 0.79% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 194.12% | 193.52% | 191.57% | n/a | n/a | |