The Hometown Bank of Alabama: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Yield on securities edged up by 0.15 percentage points, from 3.46% to 3.61%, the largest move among the key lines here. The Hometown Bank of Alabama ranks 50th of 93 Alabama banks on net interest margin, in the lower half at 3.78% (Q2 2026). The Hometown Bank of Alabama reported 3.78% on net interest margin for Q2 2026, 0.17 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.95% |
| Yield on securities | 3.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.30% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 4.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.0M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.01% | 2.36% | 2.94% | 6.38% | 3.33% |
| Q4 2023 | 5.13% | 2.43% | 2.98% | 6.36% | 3.40% |
| Q1 2024 | 5.10% | 2.53% | 2.89% | 6.48% | 3.37% |
| Q2 2024 | 5.28% | 2.65% | 2.97% | 6.59% | 3.38% |
| Q3 2024 | 5.41% | 2.76% | 3.07% | 6.84% | 3.36% |
| Q4 2024 | 5.48% | 2.68% | 3.23% | 6.84% | 3.35% |
| Q1 2025 | 5.40% | 2.58% | 3.24% | 6.77% | 3.34% |
| Q2 2025 | 5.45% | 2.57% | 3.33% | 6.93% | 3.37% |
| Q3 2025 | 5.68% | 2.59% | 3.53% | 7.10% | 3.42% |
| Q4 2025 | 5.82% | 2.48% | 3.72% | 7.03% | 3.45% |
| Q1 2026 | 5.83% | 2.35% | 3.78% | 6.99% | 3.46% |
| Q2 2026 | 5.74% | 2.30% | 3.78% | 6.95% | 3.61% |
The Hometown Bank of Alabama yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hometown Bank of Alabama, freeSource: Call Report Schedules RI and RC-K, 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)