🏦Bank Scorer

THE HOMETOWN BANK OF ALABAMA

ONEONTA, AL · Supervised by FDIC

Est. 2003FDIC #57,540RSSD: FDIC-57540
Part ofHOMETOWN BCORP OF ALABAMA INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.68%

Institution Profile

FDIC BankFind

Address

2002 2nd Ave E, ONEONTA, AL

County

Blount County

Established

October 20, 2003

Total Assets

$656M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$656M

Total Deposits

$563M

Net Loans

$397M

Net Income

$1M

ROA

0.68%

ROE

7.25%

Risk-Based Capital

19.71%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate12.77%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$551M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436875.82%12.77%
202341676.2%9.86%
202245276.11%14.82%
202139770.03%17.63%
202041972.08%15.04%
201936677.87%9.02%
201836886.14%4.62%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2006

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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