BlastPoint's Banking Scorecard
The Hometown Bank of Alabama
Community
Specialty: Other
AL
FDIC cert 57540
Oneonta, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
The Hometown Bank of Alabama has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 32% in Community
- + Tier 1 Capital Ratio 9.24% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.82% above tier
- - Nonperforming Asset Ratio 1.21% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$639.6M
+2.7% YoY
+1.1% QoQ
|
-$751.9M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$395.8M
+6.5% YoY
+2.5% QoQ
|
-$579.7M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$544.5M
+3.4% YoY
+0.5% QoQ
|
-$620.1M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.36%
+20.2% YoY
+4.8% QoQ
|
+0.20% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.59%
+13.3% YoY
+1.8% QoQ
|
-0.08% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
57.96%
-8.4% YoY
-2.9% QoQ
|
-4.68% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
2.45%
+217.8% YoY
+117.5% QoQ
|
+1.82% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
72.69%
+3.1% YoY
+2.0% QoQ
|
-10.38% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
17.44%
+6.5% YoY
-0.1% QoQ
|
-3.60% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
1.71%
+168.2% YoY
+93.4% QoQ
|
+1.21% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
19.49%
+2.4% YoY
-0.3% QoQ
|
+9.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
1.41%
-2.8% YoY
+33.7% QoQ
|
+0.67% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#120 of 371 · Top 32% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.41%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.36%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.49%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.45%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.71%
(Tier avg: 0.50%, National avg: 0.48%)
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
Tier 1 Capital Ratio
Current: 19.49% · Tier avg: 10.24%
92
92th pctile
Non-Interest Income / Assets
Current: 1.41% · Tier avg: 0.74%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.69% · Tier avg: 83.06%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
64
64th pctile
Efficiency Ratio
Current: 57.96% · Tier avg: 62.63%
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.44% · Tier avg: 21.05%
20
20th pctile
Total Deposits
Current: $544.5M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $639.6M · Tier avg: $1.4B
14
14th pctile
Total Loans
Current: $395.8M · Tier avg: $975.5M
8
8th pctile
Nonperforming Asset Ratio
Current: 1.71% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.63%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.71% · Tier avg: 0.50%
14
14th pctile
Total Loans
Current: $395.8M · Tier avg: $975.5M
20
20th pctile
Total Assets
Current: $639.6M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $544.5M · Tier avg: $1.2B
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.44% · Tier avg: 21.05%
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
64
64th pctile
Efficiency Ratio
Current: 57.96% · Tier avg: 62.63%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.69% · Tier avg: 83.06%
92
92th pctile
Non-Interest Income / Assets
Current: 1.41% · Tier avg: 0.74%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.49% · Tier avg: 10.24%