Hometown Bank of Corbin Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hometown Bank of Corbin Inc. of Corbin, KY 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 | 0.80% | 1.35% | -0.55% | 23rd bottom |
| ROAE | 12.23% | 13.32% | -1.09% | 49th below |
| Net Interest Margin | 3.85% | 3.93% | -0.08% | 45th below |
| Efficiency Ratio | 76.17% | 61.13% | +15.04% | 18th bottom |
| PPNR / Avg Assets | 1.09% | 1.68% | -0.59% | 25th below |
| Yield on Earning Assets | 5.04% | 5.67% | -0.63% | 25th below |
| Cost of Funds | 1.23% | 1.88% | -0.65% | 83rd top |
| Net Interest Spread | 3.46% | 3.32% | +0.14% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.52% | 0.94% | -0.42% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.33% | 0.70% | -0.37% | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 19th bottom |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) | 161.62% | 1546.56% | -1384.94% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.60% | 7.34% | -2.74% | 44th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 208.70% | 1395.39% | -1186.69% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.47% | 19.49% | -7.02% | 22nd bottom |
| Tier 1 Ratio | 12.47% | 19.52% | -7.05% | 22nd bottom |
| Total Capital Ratio | 13.22% | 20.61% | -7.39% | 19th bottom |
| Leverage Ratio | 8.78% | 12.14% | -3.36% | 9th bottom |
| Equity / Assets | 6.65% | 11.37% | -4.72% | 5th bottom |
| TCE / Tangible Assets | 6.59% | 11.08% | -4.49% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.40% | 80.66% | -9.26% | 68th above |
| Core Deposit Ratio | 92.58% | 86.85% | +5.73% | 71st above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.05% | 5.04% | -0.99% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.24% | 6.84% | -9.08% | 10th bottom |
| Loan Growth (Y/Y) | 10.98% | 7.92% | +3.06% | 76th top |
| Deposit Growth (Y/Y) | -4.41% | 6.29% | -10.70% | 8th bottom |
See Hometown Bank of Corbin Inc.'s peers by name
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Unlock Hometown Bank of Corbin Inc., 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 Hometown Bank of Corbin Inc. profile, how to read a UBPR, or how this data updates.