The Hometown Bank of Alabama

BankOneonta, Alabama
www.HomeTownBankAlabama.com

Total Assets

$639.6M

Total Deposits

$544.5M

Branches

5

Established

2003

TFS Health Grade

$
C

76.8 / 100

Average financial health

How we grade

The Hometown Bank of Alabama is a bank headquartered in Oneonta, Alabama, established in 2003. With $639.6M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C (76.8/100).

Capital & Safety

Tier 1 Capital Ratio
11.67%(8%)
Total Capital Ratio
20.62%(10%)
Non-Performing Loan Ratio
2.42%

Profitability

Return on Assets (ROA)
1.36%(1%)
Return on Equity (ROE)
15.06%(10%)
Net Interest Margin
3.59%
Efficiency Ratio
57.96%(60%)

Lending & Liquidity

Total Loans
$400.2M
Loan-to-Deposit Ratio
72.69%
Net Charge-Off Ratio
0.09%

Growth

Asset Growth (YoY)
+2.74%
Deposit Growth (YoY)
+3.38%
Net Income
$8.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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