BlastPoint's Banking Scorecard
The Hometown Bank of Alabama
Oneonta, AL
5 branches across AL
The Hometown Bank of Alabama has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 39.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.1% in tier
- - ROA 0.59% below tier average
- - Net Interest Margin 0.15% below tier average
- - Delinquency Rate 1.00% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$655.5M
+3.0% YoY
+2.6% QoQ
|
+$269.4M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
85% |
| Total Loans ? |
$396.6M
+4.4% YoY
+0.4% QoQ
|
+$140.9M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$562.8M
+2.4% YoY
+3.4% QoQ
|
+$234.9M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
85% |
| Return on Assets ? |
0.68%
-37.1% YoY
-44.7% QoQ
|
-0.59% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.78%
+12.2% YoY
+5.3% QoQ
|
-0.15% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
80.69%
+32.5% YoY
+39.2% QoQ
|
+15.40% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate ? |
1.89%
+103.6% YoY
-23.2% QoQ
|
+1.00% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.6% in tier |
| Loan-to-Deposit Ratio ? |
70.47%
+1.9% YoY
-2.8% QoQ
|
-6.17% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
17.60%
+2.8% YoY
+0.9% QoQ
|
-4.42% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.30%
+74.6% YoY
-24.0% QoQ
|
+0.66% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.2% in tier |
| Tier 1 Capital Ratio ? |
18.66%
-0.1% YoY
-3.4% QoQ
|
+2.83% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.35%
-3.5% YoY
-75.1% QoQ
|
+0.07% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
Top 5.3% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.