The Hometown Bank of Alabama: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Hometown Bank of Alabama of Oneonta, AL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 13.33% | 13.32% | +0.01% | 56th above |
| Net Interest Margin | 3.78% | 3.93% | -0.15% | 41st below |
| Efficiency Ratio | 61.63% | 61.13% | +0.50% | 49th below |
| PPNR / Avg Assets | 1.78% | 1.68% | +0.10% | 61st above |
| Yield on Earning Assets | 5.74% | 5.67% | +0.07% | 56th above |
| Cost of Funds | 2.30% | 1.88% | +0.42% | 21st bottom |
| Net Interest Spread | 3.28% | 3.32% | -0.04% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.03% | 0.94% | +1.09% | 13th bottom |
| NPA / Total Assets | 1.36% | 0.70% | +0.66% | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 23rd bottom |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) | 52.68% | 1547.17% | -1494.49% | 12th bottom |
| Texas Ratio | 13.31% | 7.33% | +5.98% | 15th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 982.14% | 1395.27% | -413.13% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.97% | 19.49% | -0.52% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.97% | 19.52% | -0.55% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.07% | 20.61% | -0.54% | 74th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.08% | 12.14% | -1.06% | 52nd above |
| Equity / Assets | 9.54% | 11.37% | -1.83% | 37th below |
| TCE / Tangible Assets | 9.54% | 11.08% | -1.54% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.41% | 80.67% | -9.26% | 68th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.40% | 86.85% | +0.55% | 41st below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.54% | 5.04% | -0.50% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.36% | 6.84% | -3.48% | 42nd below |
| Loan Growth (Y/Y) | 4.64% | 7.92% | -3.28% | 45th below |
| Deposit Growth (Y/Y) | 2.39% | 6.29% | -3.90% | 38th below |
See The Hometown Bank of Alabama's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Hometown Bank of Alabama, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Hometown Bank of Alabama profile, how to read a UBPR, or how this data updates.