Hometown Bank of Corbin Inc.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.94 percentage points higher than in Q1 2026, at 161.62%. Hometown Bank of Corbin Inc. ranks 101st of 119 Kentucky banks on return on assets, in the lower half at 0.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Hometown Bank of Corbin Inc. sits 0.45 points lower, at 0.80% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.47% |
| Tier 1 risk-based capital ratio | 12.47% |
| Total risk-based capital ratio | 13.22% |
| Tier 1 leverage ratio | 8.78% |
| Equity capital to assets | 6.65% |
| Tangible equity to tangible assets | 6.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 4.60% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 161.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.80% |
| Return on equity | 12.23% |
| Net interest margin | 3.85% |
| Efficiency ratio | 76.17% |
| Yield on earning assets | 5.04% |
| Cost of funds | 1.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.40% |
| Core deposits to total deposits | 92.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.70% |
| Securities to assets | 26.82% |
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 | 13.35% | 13.35% | 14.13% | 8.45% | 0.45% |
| Q4 2023 | 13.36% | 13.36% | 14.15% | 8.43% | 0.37% |
| Q1 2024 | 13.36% | 13.36% | 14.18% | 8.37% | 0.17% |
| Q2 2024 | 12.10% | 12.10% | 12.82% | 8.44% | 0.34% |
| Q3 2024 | 12.14% | 12.14% | 12.86% | 8.15% | 0.50% |
| Q4 2024 | 12.11% | 12.11% | 12.81% | 8.07% | 0.51% |
| Q1 2025 | 12.25% | 12.25% | 12.96% | 8.23% | 0.53% |
| Q2 2025 | 12.26% | 12.26% | 12.97% | 7.96% | 0.50% |
| Q3 2025 | 12.23% | 12.23% | 12.94% | 8.02% | 0.62% |
| Q4 2025 | 12.19% | 12.19% | 12.91% | 8.52% | 0.81% |
| Q1 2026 | 12.55% | 12.55% | 13.28% | 8.60% | 0.73% |
| Q2 2026 | 12.47% | 12.47% | 13.22% | 8.78% | 0.80% |
Hometown Bank of Corbin Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank of Corbin Inc., 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 Hometown Bank of Corbin Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35455) · FFIEC NIC profile (RSSD 2897633)