The Hometown Bank of Alabama: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.73 percentage points lower than in Q1 2026, at 53.25%. The Hometown Bank of Alabama ranks 43rd of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 71.41% (Q2 2026). The Hometown Bank of Alabama reported 71.41% on loan-to-deposit ratio for Q2 2026, 9.54 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $402.6M |
| Net loans and leases | $398.3M |
| Loans held for sale | $0 |
| Loans to total assets | 60.94% |
| Loan-to-deposit ratio | 71.41% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.70% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.11% |
| Consumer | 14.64% |
| Credit cards | 0.00% |
| Farm | 0.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.25% |
| Construction concentration (Tier 1 capital + allowance) | 35.81% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.95% |
| Interest income on loans | $7.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $332.2M | $503.8M | 9.03% | 7.24% | 15.63% |
| Q4 2023 | $343.4M | $504.9M | 8.72% | 7.00% | 15.68% |
| Q1 2024 | $350.0M | $530.9M | 8.34% | 7.32% | 15.53% |
| Q2 2024 | $361.8M | $532.5M | 8.59% | 7.67% | 15.22% |
| Q3 2024 | $370.3M | $529.2M | 8.55% | 7.91% | 15.32% |
| Q4 2024 | $375.4M | $526.8M | 8.42% | 7.95% | 15.26% |
| Q1 2025 | $383.7M | $549.5M | 8.39% | 8.24% | 15.45% |
| Q2 2025 | $384.8M | $550.7M | 8.02% | 7.22% | 15.20% |
| Q3 2025 | $390.1M | $541.7M | 7.87% | 7.86% | 15.03% |
| Q4 2025 | $399.0M | $544.5M | 7.75% | 7.93% | 14.60% |
| Q1 2026 | $400.7M | $562.8M | 7.67% | 8.24% | 14.66% |
| Q2 2026 | $402.6M | $563.9M | 7.70% | 8.11% | 14.64% |
The Hometown Bank of Alabama loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hometown Bank of Alabama, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Hometown Bank of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57540) · FFIEC NIC profile (RSSD 3217331)