Hometown Bank of Corbin Inc.
BankRegReports is independent of Hometown Bank of Corbin Inc. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Hometown Bank of Corbin Inc. is an FDIC-insured commercial bank headquartered in Corbin, KY, established in 2000 (FDIC certificate 35455), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $302.3M, down 2.2% from Q2 2025, the 61st largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 12.47% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35455
- Headquarters
- Corbin, KY
- Established
- 2000
- Total assets, Q2 2026
- $302.3M
- Assets vs Q2 2025
- -2.2%
- CET1 ratio, Q2 2026
- 12.47%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 042108290
- Latest call report
- Q2 2026, FFIEC 051 · Hometown Bank of Corbin Inc. Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- HOMETOWN BANCSHARES, INC.
- Asset rank in state
- 61st of 120 in Kentucky
Hometown Bank of Corbin Inc. operates with a thinner capital cushion than most banks of its size. Based in Corbin, Kentucky, it had $302 million in assets at June 30, 2026, down 2.2% from a year earlier. It funds 8.78% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also lost 4.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $609,000, 53% above the same quarter a year earlier. Over the same year, loans grew 11.0% and deposits shrank 4.4%. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Hometown Bank of Corbin Inc. reported a CET1 capital ratio of 12.47%, a return on assets of 0.80%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 4.60%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Hometown Bank of Corbin Inc. is the 61st largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $302.3M, loans rose 3.7% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 46.1% of total loans, followed by non-owner-occupied commercial real estate loans at 14.4%. The FDIC Summary of Deposits lists 7 offices for it, in 4 cities in KY; its Corbin 3 offices book 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hometown Bank of Corbin Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1030 Cumberland Falls Hwy, Corbin, KY 40701
- County
- Whitley
- Metro Area
- Corbin, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 3, 2000
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $268.1M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $69K
- Average total assets
- $305.1M
- Average total loans
- $186.6M
- Average interest-bearing deposits
- $207.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 3, 2000
- FDIC Cert
- 35455
- Fed RSSD
- 2897633
- Website
- www.ahometownbank.com →
- Parent Holding Company
- HOMETOWN BANCSHARES, INC. (RSSD 2955300)
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
Hometown Bank of Corbin Inc.'s total assets moved between a low of $276.9M (Q3 2023) and a high of $309.2M (Q2 2025) 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
$302.3M total assets against $309.2M; $282.2M total liabilities against $292.6M.
$189.8M net loans and leases against $171.0M; $268.1M total deposits against $280.5M.
$81.1M securities against $86.0M; $15.0M cash and balances due against $35.7M.
$3.6M total interest income against $3.5M; $856K total interest expense against $1.2M.
$2.7M net interest income against $2.3M.
$909K total noninterest income against $767K; $2.8M total noninterest expense against $2.6M.
$93K provision for credit losses against $54K.
$609K net income against $398K.
0.80% return on assets against 0.50%; 3.85% net interest margin against 3.17%.
12.47% CET1 capital ratio against 12.26%; 8.78% tier 1 leverage ratio against 7.96%.
Inside the full Hometown Bank of Corbin Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Hometown Bank of Corbin Inc. rankings
Its closest position to the top of a national ranking is 1,432 of 3,640, for Texas Ratio; its furthest is 3,101 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q2 2025) to 0.81% (Q4 2025) and its net interest margin ran from 2.95% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.47% | 0.80% | 0.52% | 4.60% | 3.85% |
| Q1 2026 | 12.55% | 0.73% | 0.53% | 4.67% | 3.57% |
| Q4 2025 | 12.19% | 0.81% | 0.54% | 4.70% | 3.68% |
| Q3 2025 | 12.23% | 0.62% | 0.58% | 5.10% | 3.35% |
| Q2 2025 | 12.26% | 0.50% | 0.60% | 5.78% | 3.17% |
| Q1 2025 | 12.25% | 0.53% | 0.60% | 5.90% | 3.14% |
| Q4 2024 | 12.11% | 0.51% | 0.49% | 5.11% | 3.06% |
| Q3 2024 | 12.14% | 0.50% | 0.59% | 5.30% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Hometown Bank of Corbin, Inc. | Corbin , KY | 40701 | $109.7M |
| Barbourville Branch | Barbourville , KY | 40906 | $51.4M |
| London Branch | London , KY | 40741 | $48.5M |
| Master Street Branch | Corbin , KY | 40701 | $22.0M |
| Oak Grove Branch | Corbin , KY | 40701 | $17.6M |
| London North Banking Center Branch | London , KY | 40741 | $10.6M |
| Williamsburg Banking Center Branch | Williamsburg , KY | 40769 | $8.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 78 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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
Add this badge to your website
Free to use. It shows Hometown Bank of Corbin Inc.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Hometown Bank of Corbin Inc.
What are Hometown Bank of Corbin Inc.'s total assets?
As of the Q2 2026 filing, Hometown Bank of Corbin Inc. reported total assets of $302.3 million in its FFIEC call report.
Where is Hometown Bank of Corbin Inc. headquartered?
It is headquartered in Corbin, KY, United States.
When was Hometown Bank of Corbin Inc. founded?
It was established in 2000, per the FDIC institution directory.
Is Hometown Bank of Corbin Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hometown Bank of Corbin Inc.?
Hometown Bank of Corbin Inc.'s primary federal regulator is the FDIC.
What is Hometown Bank of Corbin Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.47% in its Q2 2026 call report, above regulatory requirements.
How many branches does Hometown Bank of Corbin Inc. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hometown Bank of Corbin Inc.'s Texas Ratio?
Its Texas Ratio is 4.60% 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.
Go deeper on Hometown Bank of Corbin Inc.
Get an email when Hometown Bank of Corbin Inc. files its next call report, and benchmark it against any peer you choose.
Unlock Hometown Bank of Corbin Inc., freeFree account