TellerScore

The Hometown Bank of Alabama (FDIC certificate #57540) is based in Oneonta, Alabama. Its Q2 2026 call report shows $660.7M in total assets and $563.9M in deposits and 5 offices.

The Hometown Bank of Alabama has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 79th. Funding & liquidity contributes the most (77/100, 71% loans-to-deposits, 27% uninsured); loan quality contributes the least (32/100, 2.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Tier 1 leverage ratio: 11.08%
Loan quality32/100
Noncurrent loans ÷ total loans: 2.03%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 70.6% · 26.8% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (69 → 57), mostly because the loan quality component weakened by 39 points.

TellerScore
566370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202467
Q4 202470
Q1 202567
Q2 202569
Q3 202569
Q4 202556
Q1 202656
Q2 202657
Tier 1 leverage ratio
5.00%8.27%11.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.25%
Q3 202410.61%
Q4 202411.06%
Q1 202510.76%
Q2 202510.96%
Q3 202511.28%
Q4 202511.54%
Q1 202611.01%
Q2 202611.08%
Noncurrent loans
0.76%1.60%2.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.92%
Q3 20240.85%
Q4 20240.76%
Q1 20250.92%
Q2 20250.88%
Q3 20251.12%
Q4 20252.43%
Q1 20261.87%
Q2 20262.03%
Return on assets
0.68%0.99%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20241.06%
Q4 20241.13%
Q1 20251.08%
Q2 20251.23%
Q3 20251.30%
Q4 20251.23%
Q1 20260.68%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$660.7M11.08%2.03%0.97%70.6%
Q1 202656$655.5M11.01%1.87%0.68%70.5%
Q4 202556$638.7M11.54%2.43%1.23%72.5%
Q3 202569$632.9M11.28%1.12%1.30%71.3%
Q2 202569$639.2M10.96%0.88%1.23%69.2%
Q1 202567$636.5M10.76%0.92%1.08%69.1%
Q4 202470$622.5M11.06%0.76%1.13%70.5%
Q3 202467$628.6M10.61%0.85%1.06%69.3%
Q2 202464$624.4M10.25%0.92%0.83%67.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.08%
52nd
Total risk-based capital20.07%
87th
Problem loans2.03%
12th
Net charge-offs0.01%
43rd
Return on assets0.97%
32nd
Net interest margin3.82%
43rd
Efficiency ratio71.6%
26th
Loans to deposits70.6%
69th
Uninsured deposits26.8%
39th
Loan-loss reserves1.07%
35th
Texas ratio13.3%
12th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
CCB Community BankBank Andalusia, AL79 out of 100, Strong$661.9M10.5%0.19%vs
First Southern BankBank Florence, AL18 out of 100, Low$679.2M8.9%10.86%vs
First Community Bank of Central AlabamaBank Wetumpka, AL74 out of 100, Strong$694.3M8.6%0.10%vs
Merit BankBank Huntsville, AL64 out of 100, Moderate$581.6M9.7%0.00%vs
MidSouth BankBank Dothan, AL66 out of 100, Moderate$771.5M9.3%0.28%vs
EvaBankBank Eva, AL78 out of 100, Strong$490.6M27.8%1.61%vs

Deposit insurance

Is my money safe at The Hometown Bank of Alabama?

Yes. The Hometown Bank of Alabama is an FDIC-insured institution (FDIC certificate #57540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.8% of deposits ($151.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.07% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

The Hometown Bank of Alabama lists 4 offices in 4 cities. Most locations:

  • Cleveland, AL (1)
  • Oneonta, AL (1)
  • Pinson, AL (1)
  • Snead, AL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Hometown Bank of Alabama reported 328 home-loan applications under HMDA (LEI 549300FJRQ7KMJ2TQQ84): 234 originated ($40,940,000 total), 54 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Hometown Bank of Alabama
Type
State-chartered bank
FDIC certificate #
57540
RSSD ID
3217331
Primary regulator
FDIC
Holding company
Hometown Bcorp of Alabama Inc
Established
October 20, 2003
Headquarters
2002 2nd Ave E, Oneonta, AL 35121
Employees
57

Quick answers

The Hometown Bank of Alabama: common questions

Is The Hometown Bank of Alabama FDIC insured?

Yes. The Hometown Bank of Alabama is an FDIC-insured institution (FDIC certificate #57540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Hometown Bank of Alabama's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Hometown Bank of Alabama ever failed?

There is no failure record for FDIC certificate #57540 in the FDIC failed bank list.

How many branches does The Hometown Bank of Alabama have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Oneonta

InstitutionScoreAssetsCapitalProblem loansCompare
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
The Exchange Bank of AlabamaBank Altoona, AL91 out of 100, Very strong$392.5M15.3%0.04%vs
First Bank of BoazBank Boaz, AL88 out of 100, Very strong$239.8M19.7%0.05%vs
Liberty BankBank Geraldine, AL81 out of 100, Strong$258.6M11.3%0.15%vs
Metro BankBank Pell City, AL80 out of 100, Strong$1.2B14.7%1.18%vs
EvaBankBank Eva, AL78 out of 100, Strong$490.6M27.8%1.61%vs