HOMETOWN BANK OF ALABAMA
ONEONTA, ALABAMA · FDIC Cert #57540
Capital & Safety Analysis
According to FDIC financial data, HOMETOWN BANK OF ALABAMA holds a Tier 1 capital ratio of 17.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HOMETOWN BANK OF ALABAMA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HOMETOWN BANK OF ALABAMA shows strong financial health indicators. With $624M in assets and a Health Score of 91/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HOMETOWN BANK OF ALABAMA has a Bank Health Score of A (91/100). It holds a Tier 1 capital ratio of 17.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HOMETOWN BANK OF ALABAMA holds $624M in total assets and $532M in total deposits. It is located in ONEONTA, ALABAMA (FDIC Certificate #57540).
HOMETOWN BANK OF ALABAMA has a Tier 1 capital ratio of 17.93%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.92%, and the return on assets is 1.17%.
Yes. HOMETOWN BANK OF ALABAMA is FDIC-insured (Certificate #57540). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.