Hometown Bank of Corbin, Inc.: how it compares with its peers
Against 64 KY banks with half to twice its assets, Hometown Bank of Corbin, Inc.'s strongest measure in Q2 2026 is net interest margin (3.76% vs. a 3.93% peer median). Its weakest relative measure is assets per employee ($3.8M vs. $6.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 1.32% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.76% | 3.93% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.53% | 59.38% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.8M | $6.1M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.81% | 83.44% | Context |
What it means for lending operations
Its efficiency ratio of 77.53% is above the 59.38% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Citizens Guaranty Bank Richmond, KY · $304M
- The Farmers Bank of Milton Milton, KY · $305M
- United Citizens Bank of Southern Kentucky Columbia, KY · $286M
- Bank of Edmonson County Brownsville, KY · $283M
- The Farmers Bank Nicholasville, KY · $283M
- First Federal Savings Bank of Kentucky Frankfort, KY · $283M
Questions about Hometown Bank of Corbin, Inc.
How big is Hometown Bank of Corbin, Inc.?
Hometown Bank of Corbin, Inc., established in 2000, is headquartered in Corbin, KY. It reported $302M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Hometown Bank of Corbin, Inc.'s return on assets?
0.78% annualized in Q2 2026, against a 1.32% median for 64 KY banks with half to twice its assets, ahead of 16% of them.
What is Hometown Bank of Corbin, Inc.'s efficiency ratio?
77.53% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 59.38%, and lower is better.
Is Hometown Bank of Corbin, Inc. growing its loans?
Net loans grew 11.0% over the year to Q2 2026, while deposits shrank 4.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.