BlastPoint's Banking Scorecard
Hometown Bank of Corbin, Inc.
Micro
Specialty: Commercial
KY
FDIC cert 35455
Designations: ✓ Community bank
Corbin, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Hometown Bank of Corbin, Inc. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.51% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$299.8M
-0.0% YoY
+0.7% QoQ
|
+$82.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$182.9M
+6.5% YoY
+4.9% QoQ
|
+$43.7M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$259.7M
-3.5% YoY
-2.2% QoQ
|
+$76.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.63%
+60.2% YoY
+10.7% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.44%
+13.2% YoY
+2.8% QoQ
|
-0.41% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
80.19%
-7.0% YoY
-2.0% QoQ
|
+12.47% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.54%
+9.0% YoY
-7.5% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
70.41%
+10.4% YoY
+7.2% QoQ
|
-4.12% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
22.93%
+5.8% YoY
+0.1% QoQ
|
+0.54% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.33%
+16.1% YoY
-3.7% QoQ
|
-0.12% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
12.19%
+0.7% YoY
-0.3% QoQ
|
+3.34% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
1.07%
+7.2% YoY
+37.8% QoQ
|
+0.51% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.07%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.56%
73
73th pctile
Total Deposits
Current: $259.7M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $299.8M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $182.9M · Tier avg: $139.2M
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.41% · Tier avg: 74.53%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.19% · Tier avg: 8.85%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.93% · Tier avg: 22.39%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
21
21th pctile
Efficiency Ratio
Current: 80.19% · Tier avg: 67.73%
Top Weaknesses
21
21th pctile
Efficiency Ratio
Current: 80.19% · Tier avg: 67.73%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
43
43th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.93% · Tier avg: 22.39%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.19% · Tier avg: 8.85%
61
61th pctile
Loan-to-Deposit Ratio
Current: 70.41% · Tier avg: 74.53%
70
70th pctile
Total Loans
Current: $182.9M · Tier avg: $139.2M
72
72th pctile
Total Assets
Current: $299.8M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $259.7M · Tier avg: $183.7M
93
93th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.56%