BlastPoint's Banking Scorecard
Hometown Bank of Corbin, Inc.
Corbin, KY
7 branches across KY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
- Deposits -4.4% year over year ($268.1M on the books).
- Delinquency rate 0.52%.
- Return on assets 0.78%.
- Efficiency ratio 77.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hometown Bank of Corbin, Inc. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Net Interest Margin 0.22% below tier average
- - Efficiency Ratio 13.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$302.3M
-2.2% YoY
+1.4% QoQ
|
-$84.3M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$189.8M
+11.0% YoY
+3.7% QoQ
|
-$68.5M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$268.1M
-4.4% YoY
+1.2% QoQ
|
-$58.6M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
0.78%
+46.5% YoY
+4.0% QoQ
|
-0.54% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.76%
+16.3% YoY
+3.5% QoQ
|
-0.22% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
77.53%
-6.1% YoY
-0.6% QoQ
|
+13.05% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
0.52%
-13.2% YoY
-2.9% QoQ
|
-0.40% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
70.81%
+16.1% YoY
+2.5% QoQ
|
-7.15% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
23.35%
+9.7% YoY
+0.4% QoQ
|
+1.32% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.33%
-1.5% YoY
-0.7% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
12.47%
+1.8% YoY
-0.6% QoQ
|
-3.44% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.56%
+10.5% YoY
+113.5% QoQ
|
-0.01% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
Top 7.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.3%
+2.1pp YoY +0.1pp QoQ |
+1.2pp | 22.1% | 23.5% | 22.2% | 60% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-1.6pp YoY -0.5pp QoQ |
-4.6pp | 11.6% | 8.6% | 12.5% | 33% |
| CRE |
41.0%
-0.6pp YoY -1.0pp QoQ |
+1.4pp | 39.5% | 37.1% | 41.4% | 55% |
| 1-4 Family |
46.5%
+1.6pp YoY +1.7pp QoQ |
+13.9pp | 32.6% | 41.6% | 31.3% | 79% |
| Consumer |
5.0%
+0.3pp YoY -0.1pp QoQ |
+0.9pp | 4.1% | 4.8% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.5%
+0.2pp YoY -0.1pp QoQ |
-6.4pp | 18.8% | 20.2% | 19.7% | 22% |
| Leverage Ratio |
8.8%
+0.8pp YoY +0.2pp QoQ |
-3.4pp | 12.2% | 14.0% | 12.6% | 9% |
| Total Capital Ratio |
13.2%
+0.3pp YoY -0.1pp QoQ |
-6.7pp | 19.9% | 21.3% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
79
+7 (+9.7%) YoY +4 (+5.3%) QoQ |
+20 | 58 | 105 | 482 | 76% |
| Assets per Employee ($) |
$3.8M
-10.9% YoY -3.7% QoQ |
-$3.7M | $7.5M | $6.3M | $8.8M | 3% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 8 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 54% |
| Allowance Coverage |
1.62x
+13.4% YoY +2.5% QoQ |
-22.54x | 24.15x | 7.45x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.8%
+1.8pp YoY +0.4pp QoQ |
-0.4pp | 12.2% | 13.3% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY -0.1pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 22% |
| Net Income ($, YTD) |
$1.2M
+45.6% YoY — QoQ |
-$1.4M | $2.6M | $5.1M | $40.4M | 32% |
Get Full Access to Hometown Bank of Corbin, Inc.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.