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The Hometown Bank Of Alabama
Oneonta, AL · FDIC Certificate #57540 · Chartered 10/2
Total assets
$660.68M
Total deposits
$563.85M
Total equity
$63.06M
Net loans
$398.31M
Branches (offices)
5
Net income (YTD)
$3.15M
Rank: #1,432 of 4,213 U.S. banks by assets · #27 of 93 in Alabama. Assets changed 3.4% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 10.26% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 9.54% |
| Tier 1 leverage ratio | 11.08% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 2.03% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 70.6% |
| Real estate loans (share of loans) | 75.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $301.75M | 75.8% | |
| Commercial & industrial | $32.65M | 8.2% | |
| Consumer / individual | $58.95M | 14.8% | |
| Construction & development | $28.17M | 7.1% | |
| Agricultural | $2.13M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $535.28M | $489.04M | $4.19M | $45.16M |
| Jun 2023 | $566.70M | $498.94M | $3.69M | $45.82M |
| Jun 2024 | $624.43M | $532.46M | $2.56M | $49.84M |
| Jun 2025 | $639.17M | $550.68M | $3.90M | $56.58M |
| Jun 2026 | $660.68M | $563.85M | $3.15M | $63.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $563.85M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $563.85M.
Similar-sized banks
The Bank Of Bennington ($661.90M) · Bruning Bank ($659.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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