The Hometown Bank of Alabama
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Data as of · sourced from FFIEC call reports. How we update
The Hometown Bank of Alabama is an FDIC-insured commercial bank headquartered in Oneonta, AL, supervised by the FDIC, with $660.7M in total assets at Q2 2026, up 3.4% from Q2 2025, the 27th largest of 93 banks headquartered in Alabama. It was established in 2003 and holds FDIC certificate 57540. Its CET1 capital ratio was 18.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57540
- Headquarters
- Oneonta, AL
- Established
- 2003
- Total assets, Q2 2026
- $660.7M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 18.97%
- Domestic offices
- 5 · The Hometown Bank of Alabama branches FDIC institution directory, current count
- Routing number
- 062206444
- Safety and soundness
- Is The Hometown Bank of Alabama safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Hometown Bank of Alabama Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- HOMETOWN BANCORP OF ALABAMA, INC.
- Asset rank in state
- 27th of 93 in Alabama
Problem loans are rising at The Hometown Bank of Alabama. The Oneonta, Alabama bank had $661 million in assets at June 30, 2026, up 3.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.03% of loans from 0.88% a year earlier. It carries problem assets equal to 13.3% of the capital and reserves that would absorb them, 5.0 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also pays an average of 2.30% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $15 million equal 20% of Tier 1 capital, down from 28% a year earlier.
As of June 30, 2026, The Hometown Bank of Alabama reported a CET1 capital ratio of 18.97%, a return on assets of 1.22%, a nonperforming-loan ratio of 2.03% and a Texas ratio of 13.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Hometown Bank of Alabama is the 27th largest of the 93 banks headquartered in Alabama. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $660.7M, loans rose 0.5% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 59.9% of total loans, ahead of commercial and industrial loans at 8.1%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in AL; its Oneonta 2 offices book 55% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Hometown Bank of Alabama meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2002 2nd Ave E, Oneonta, AL 35121
- County
- Blount
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 20, 2003
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $563.9M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $28K
- Average total assets
- $670.9M
- Average total loans
- $402.1M
- Average interest-bearing deposits
- $402.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 20, 2003
- FDIC Cert
- 57540
- Fed RSSD
- 3217331
- Website
- www.HomeTownBankAlabama.com →
- Parent Holding Company
- HOMETOWN BANCORP OF ALABAMA, INC. (RSSD 3451603)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Hometown Bank of Alabama's total assets moved between a low of $586.1M (Q3 2023) and a high of $660.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$660.7M total assets against $639.2M; $597.6M total liabilities against $582.6M.
$398.3M net loans and leases against $380.9M; $563.9M total deposits against $550.7M.
$173.0M securities against $175.4M; $55.7M cash and balances due against $57.5M.
$8.8M total interest income against $8.6M; $3.1M total interest expense against $3.4M.
$5.7M net interest income against $5.2M.
$2.3M total noninterest income against $2.2M; $5.0M total noninterest expense against $4.4M.
$275K provision for credit losses against $75K.
$2.1M net income against $2.2M.
1.22% return on assets against 1.35%; 3.78% net interest margin against 3.33%.
18.97% CET1 capital ratio against 19.04%; 11.08% tier 1 leverage ratio against 10.96%.
Inside the full The Hometown Bank of Alabama terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Hometown Bank of Alabama rankings
Its closest position to the top of a national ranking is 395 of 3,640, for Texas Ratio; its furthest is 2,004 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q1 2026) to 1.49% (Q3 2024) and its net interest margin ran from 3.07% (Q3 2024) to 3.78% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.97% | 1.22% | 2.03% | 13.31% | 3.78% |
| Q1 2026 | 18.66% | 0.66% | 1.87% | 13.28% | 3.78% |
| Q4 2025 | 19.32% | 0.99% | 2.43% | 16.79% | 3.72% |
| Q3 2025 | 19.54% | 1.38% | 1.12% | 8.84% | 3.53% |
| Q2 2025 | 19.04% | 1.35% | 0.88% | 7.61% | 3.33% |
| Q1 2025 | 18.68% | 1.05% | 0.92% | 8.10% | 3.24% |
| Q4 2024 | 19.03% | 1.29% | 0.76% | 6.85% | 3.23% |
| Q3 2024 | 18.42% | 1.49% | 0.85% | 7.06% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Hometown Bank of Alabama | Oneonta , AL | 35121 | $309.9M |
| Pinson Branch | Pinson , AL | 35126 | $108.7M |
| Snead Branch | Snead , AL | 35952 | $105.2M |
| Cleveland | Cleveland , AL | 35049 | $40.1M |
| Operations Center | Oneonta , AL | 35121 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in AL, rank 39 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $288K approved, $288K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Hometown Bank of Alabama
What are The Hometown Bank of Alabama's total assets?
As of the Q2 2026 filing, The Hometown Bank of Alabama reported total assets of $660.7 million in its FFIEC call report.
Where is The Hometown Bank of Alabama headquartered?
It is headquartered in Oneonta, AL, United States.
When was The Hometown Bank of Alabama founded?
It was established in 2003, per the FDIC institution directory.
Is The Hometown Bank of Alabama FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Hometown Bank of Alabama?
The Hometown Bank of Alabama's primary federal regulator is the FDIC.
What is The Hometown Bank of Alabama's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Hometown Bank of Alabama operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Hometown Bank of Alabama's Texas Ratio?
Its Texas Ratio is 13.31% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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