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Hometown Bank of Corbin, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 35455

Corbin, KY

7 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Hometown Bank of Corbin, Inc. has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 24.8% in tier
  • - ROA 0.52% below tier average
  • - Net Interest Margin 0.29% below tier average
  • - Efficiency Ratio 12.73% above tier average
Get updates when Hometown Bank of Corbin, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $298.0M
+0.4% YoY -0.6% QoQ
-$88.1M $386.1M
+0.5% YoY
$702.0M
+4.4% YoY
$6.2B
+9.1% YoY
46%
Total Loans ? $183.0M
+6.2% YoY +0.1% QoQ
-$72.7M $255.7M
+1.1% YoY
$492.7M
+5.5% YoY
$3.2B
+10.8% YoY
45%
Total Deposits ? $265.0M
-1.4% YoY +2.0% QoQ
-$62.9M $328.0M
+0.1% YoY
$590.5M
+4.1% YoY
$4.8B
+8.2% YoY
48%
Return on Assets ? 0.75%
+38.0% YoY +18.0% QoQ
-0.52% 1.27%
+12.9% YoY
1.25%
+16.2% YoY
1.23%
+13.4% YoY
23%
Net Interest Margin ? 3.64%
+14.1% YoY +5.7% QoQ
-0.29% 3.93%
+6.0% YoY
3.88%
+7.4% YoY
3.89%
+5.7% YoY
37%
Efficiency Ratio ? 78.02%
-4.7% YoY -2.7% QoQ
+12.73% 65.29%
-4.5% YoY
64.22%
-6.1% YoY
66.95%
-4.1% YoY
18%
Delinquency Rate ? 0.54%
-11.6% YoY -1.2% QoQ
-0.35% 0.89%
+18.8% YoY
0.89%
+17.0% YoY
0.95%
+18.8% YoY
43%
Loan-to-Deposit Ratio ? 69.07%
+7.7% YoY -1.9% QoQ
-7.57% 76.64%
+0.8% YoY
80.71%
+1.5% YoY
76.70%
+0.9% YoY
68%
Non-Interest-Bearing Deposit Share ? 23.24%
+10.6% YoY +1.4% QoQ
+1.22% 22.02%
-1.0% YoY
23.47%
-1.8% YoY
22.01%
-1.2% YoY
60%
Nonperforming Asset Ratio ? 0.33%
-6.5% YoY -0.5% QoQ
-0.31% 0.64%
+19.7% YoY
0.61%
+22.3% YoY
0.67%
+19.3% YoY
48%
Tier 1 Capital Ratio ? 12.55%
+2.4% YoY +2.9% QoQ
-3.29% 15.83%
+1.5% YoY
14.97%
-0.1% YoY
17.06%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.26%
-2.5% YoY -75.6% QoQ
-0.02% 0.28%
+9.3% YoY
0.16%
+4.4% YoY
0.32%
+4.1% YoY
Top 8.4% in tier

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#128 of 512 • Bottom 24.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.75%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

224
Non-Interest Income / Assets
revenue_mix
Value: 0.26%
Peer Median: 0.28%
#224 of 2664 Top 8.4% in $100M-$1B

Top Weaknesses (2 metrics)

2183
Efficiency Ratio
profitability
Value: 78.02%
Peer Median: 65.29%
#2183 of 2664 Bottom 18.1% in $100M-$1B
2048
Return on Assets
profitability
Value: 0.75%
Peer Median: 1.27%
#2048 of 2664 Bottom 23.2% in $100M-$1B
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