The Hometown Bank of Alabama: how it compares with its peers
Against 34 AL banks with half to twice its assets, The Hometown Bank of Alabama's strongest measure in Q2 2026 is assets per employee ($11.6M vs. a $6.9M peer median). Its weakest relative measure is efficiency ratio (71.65% vs. 57.49%).
| Measure | The Hometown Bank of Alabama | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 1.22% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 3.84% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.65% | 57.49% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.6M | $6.9M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.64% | 68.51% | Context |
What it means for lending operations
Its efficiency ratio of 71.65% is above the 57.49% 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
- CCB Community Bank Andalusia, AL · $662M
- First Southern Bank Florence, AL · $679M
- First Community Bank of Central Alabama Wetumpka, AL · $694M
- Merit Bank Huntsville, AL · $582M
- MidSouth Bank Dothan, AL · $771M
- EvaBank Eva, AL · $491M
Questions about The Hometown Bank of Alabama
How big is The Hometown Bank of Alabama?
The Hometown Bank of Alabama, established in 2003, is headquartered in Oneonta, AL. It reported $661M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Hometown Bank of Alabama's return on assets?
0.97% annualized in Q2 2026, against a 1.22% median for 34 AL banks with half to twice its assets, ahead of 26% of them.
What is The Hometown Bank of Alabama's efficiency ratio?
71.65% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 57.49%, and lower is better.
Is The Hometown Bank of Alabama growing its loans?
Net loans grew 4.6% over the year to Q2 2026, while deposits grew 2.4%.
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 AL 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 Alabama bank ranked.