How Big Is Hometown Bank of Alabama?
Hometown Bank of Alabama holds $624M in total assets and $532M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,332nd-largest of the 3,960 FDIC-insured banks we track — in the top 34% by size. Those figures come from Hometown Bank of Alabama's latest FDIC call report (cert #57540); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Hometown Bank of Alabama?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Hometown Bank of Alabama Size at a Glance
- Total assets
- $624M
- Total deposits
- $532M
- Domestic deposits
- $532M
- Size class
- community bank
- Rank by assets
- #1,332 of 3,960
- Headquarters
- Oneonta, Alabama
Source: FDIC Call Report data (cert #57540). Figures reflect the latest reported quarter.
With $624M in total assets, Hometown Bank of Alabama is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 1,332nd-largest of the 3,960 FDIC-insured banks we track, in the top 34% by size. The bank funds those assets largely with $532M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.93% | 100/100 |
| Nonperforming Loan Ratio | 0.92% | 82/100 |
| Liquidity Ratio | 37.30% | 100/100 |
| Return on Assets | 1.17% | 67/100 |
| Total Assets | $0.6B | |
How does Hometown Bank of Alabama compare?
With a Bank Health Score of 91/100, Hometown Bank of Alabama sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Alabama, where 78 FDIC-insured banks are headquartered, Hometown Bank of Alabama ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 17.93% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.92% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Hometown Bank of Alabama's Bank Health Score fell by 3.0 points to 91/100. Tier 1 capital weakened by 1.30 percentage points to 17.93%.
Frequently Asked Questions
Hometown Bank of Alabama holds $624M in total assets and $532M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,332nd-largest of the 3,960 FDIC-insured banks we track — in the top 34% by size. Those figures come from Hometown Bank of Alabama's latest FDIC call report (cert #57540); it is a local community institution, with $100 million to $1 billion in assets.
Hometown Bank of Alabama ranks 1,332nd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 34% by size. Its $624M in assets classify it as a community bank.
Hometown Bank of Alabama reports $624M in total assets and $532M in total deposits ($532M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Hometown Bank of Alabama earns a Bank Health Score of 91/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $624M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Hometown Bank of Alabama (FDIC certificate #57540) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Hometown Bank of Alabama
Hometown Bank of Alabama holds $624M in total assets and $532M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,332nd-largest of the 3,960 FDIC-insured banks we track — in the top 34% by size. Those figures come from Hometown Bank of Alabama's latest FDIC call report (cert #57540); it is a local community institution, with $100 million to $1 billion in assets.