The Hometown Bank of Alabama: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 2.04 percentage points in Q2 2026, from 54.72% to 52.68%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, The Hometown Bank of Alabama is 40th of 93 on return on assets, 1.22% as of Q2 2026, above the middle of the field. At 1.22%, The Hometown Bank of Alabama's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.97% |
| Tier 1 risk-based capital ratio | 18.97% |
| Total risk-based capital ratio | 20.07% |
| Tier 1 leverage ratio | 11.08% |
| Equity capital to assets | 9.54% |
| Tangible equity to tangible assets | 9.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.03% |
| Non-performing assets ratio | 1.36% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 13.31% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 52.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 13.33% |
| Net interest margin | 3.78% |
| Efficiency ratio | 61.63% |
| Yield on earning assets | 5.74% |
| Cost of funds | 2.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.41% |
| Core deposits to total deposits | 87.40% |
| Brokered deposits to total deposits | 3.59% |
| Deposits to assets | 85.34% |
| Securities to assets | 26.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.23% | 19.23% | 20.21% | 10.91% | 1.03% |
| Q4 2023 | 19.49% | 19.49% | 20.45% | 11.39% | 1.48% |
| Q1 2024 | 17.82% | 17.82% | 18.72% | 10.25% | 0.92% |
| Q2 2024 | 17.93% | 17.93% | 18.92% | 10.25% | 0.69% |
| Q3 2024 | 18.42% | 18.42% | 19.35% | 10.61% | 1.49% |
| Q4 2024 | 19.03% | 19.03% | 20.07% | 11.06% | 1.29% |
| Q1 2025 | 18.68% | 18.68% | 19.73% | 10.76% | 1.05% |
| Q2 2025 | 19.04% | 19.04% | 20.08% | 10.96% | 1.35% |
| Q3 2025 | 19.54% | 19.54% | 20.61% | 11.28% | 1.38% |
| Q4 2025 | 19.32% | 19.32% | 20.37% | 11.54% | 0.99% |
| Q1 2026 | 18.66% | 18.66% | 19.71% | 11.01% | 0.66% |
| Q2 2026 | 18.97% | 18.97% | 20.07% | 11.08% | 1.22% |
The Hometown Bank of Alabama vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hometown Bank of Alabama, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)