Is Hometown Bank of Alabama Safe?
Hometown Bank of Alabama has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (67/100).
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%.
Hometown Bank of Alabama has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (67/100).