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The Hometown Bank of Alabama

$100M-$1B Specialty: Other AL FDIC cert 57540

Oneonta, AL

5 branches across AL

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 63 in AL.
  • Deposits +2.4% year over year ($563.9M on the books).
  • Delinquency rate 2.05%.
  • Return on assets 0.97%.
  • Efficiency ratio 71.65% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.64% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

The Hometown Bank of Alabama 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

  • + Revenue Diversifier: Top 36.0% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 16.6% in tier
  • - Net Interest Margin 0.17% below tier average
  • - Efficiency Ratio 7.17% above tier average
  • - Delinquency Rate 1.13% above tier average
Get updates when The Hometown Bank of Alabama releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $660.7M
+3.4% YoY +0.8% QoQ
+$274.1M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Top 14.8% in tier
Total Loans ? $398.3M
+4.6% YoY +0.4% QoQ
+$140.0M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $563.9M
+2.4% YoY +0.2% QoQ
+$237.1M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Top 14.9% in tier
Return on Assets ? 0.97%
-21.7% YoY +42.4% QoQ
-0.36% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 3.82%
+11.0% YoY +1.0% QoQ
-0.17% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 71.65%
+18.4% YoY -11.2% QoQ
+7.17% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 2.05%
+131.2% YoY +8.7% QoQ
+1.13% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
Bottom 12.4% in tier
Loan-to-Deposit Ratio ? 70.64%
+2.1% YoY +0.2% QoQ
-7.31% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 17.04%
-0.8% YoY -3.2% QoQ
-5.00% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 1.36%
+88.6% YoY +4.4% QoQ
+0.69% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
Bottom 14.0% in tier
Tier 1 Capital Ratio ? 18.97%
-0.4% YoY +1.7% QoQ
+3.07% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.70%
-0.8% YoY +98.2% QoQ
+0.13% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 5.7% in tier

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 (AL) National Avg Tier Percentile
Noninterest-Bearing 17.0%
-0.1pp YoY
-0.6pp QoQ
 -5.1pp 22.1% 24.0% 22.2% 32%
Brokered Deposits 3.6%
+1.4pp YoY
0.0pp QoQ
 -4.3pp 7.9% 5.5% 8.5% 42%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 8.2%
+0.9pp YoY
-0.1pp QoQ
 -3.4pp 11.6% 16.9% 12.5% 42%
CRE n/a n/a 39.5% 43.5% 41.4% n/a
1-4 Family 60.6%
+1.0pp YoY
+0.7pp QoQ
 +27.9pp 32.6% 30.6% 31.3% 90%
Consumer 14.8%
-0.6pp YoY
0.0pp QoQ
 +10.7pp 4.1% 5.7% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 19.0%
-0.1pp YoY
+0.3pp QoQ
 +0.1pp 18.8% 15.1% 19.7% 74%
Leverage Ratio 11.1%
+0.1pp YoY
+0.1pp QoQ
 -1.1pp 12.2% 13.2% 12.6% 52%
Total Capital Ratio 20.1%
0.0pp YoY
+0.4pp QoQ
 +0.1pp 19.9% 16.2% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 57
-3 (-5.0%) YoY
+1 (+1.8%) QoQ
 -2 58 304 482 60%
Assets per Employee ($) $11.6M
+8.8% YoY
-1.0% QoQ
 +$4.1M $7.5M $6.9M $8.8M 92%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.1%
+1.2pp YoY
+0.2pp QoQ
 +1.1pp 0.9% 1.2% 1.0% 88%
Allowance Coverage 0.53x
-54.2% YoY
-3.7% QoQ
 -23.63x 24.15x 7.50x 20.23x 11%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 10.3%
-3.9pp YoY
+3.0pp QoQ
 -1.9pp 12.2% 10.0% 11.6% 39%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 75%
Net Income ($, YTD) $3.1M
-19.3% YoY
— QoQ
 +$595K $2.6M $17.2M $40.4M 72%

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 (1)

Revenue Diversifier

growth
#239 of 661 • Top 36.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.70%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.97%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Margin Compression

decline
#52 of 307 • Bottom 16.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.97%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

152
Non-Interest Income / Assets
revenue_mix
Value: 0.70%
Peer Median: 0.57%
#152 of 2643 Top 5.7% in $100M-$1B
391
Total Assets
size
Value: $660.68M
Peer Median: $386.57M
#391 of 2643 Top 14.8% in $100M-$1B
395
Total Deposits
size
Value: $563.85M
Peer Median: $326.73M
#395 of 2643 Top 14.9% in $100M-$1B
427
Tier 1 Capital Ratio
capital
Value: 18.97%
Peer Median: 15.91%
#427 of 2643 Top 16.1% in $100M-$1B
549
Total Loans
size
Value: $398.31M
Peer Median: $258.35M
#549 of 2643 Top 20.7% in $100M-$1B

Top Weaknesses (2 metrics)

2307
Delinquency Rate
credit_quality
Value: 2.05%
Peer Median: 0.92%
#2307 of 2633 Bottom 12.4% in $100M-$1B
2274
Nonperforming Asset Ratio
credit_quality
Value: 1.36%
Peer Median: 0.67%
#2274 of 2643 Bottom 14.0% in $100M-$1B
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