The Hometown Bank of Alabama
Oneonta, AL
IDRSSD: 3217331
Total Assets
$632.86M
Latest filing
Total Deposits
$541.74M
Latest filing
Net Interest Margin
3.66%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Hometown Bank of Alabama
2002 2nd Ave E
Oneonta, AL 35121
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/20/2003FDIC Certificate 365306
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Hometown Bank of Alabama (Main) | 2002 2nd Ave E | Oneonta, AL |
| PINSON BRANCH | 6811 Highway 79 | Pinson, AL |
| SNEAD BRANCH | 87672 Us Highway 278 | Snead, AL |
| OPERATIONS CENTER | 713 Fairgrounds Ave | Oneonta, AL |
| CLEVELAND | 18045 State Highway 160 | Cleveland, AL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/20/2003 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35121 |
| State and County Number | 01009 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Birmingham-Hoover, AL |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 10/20/2003 |
| Primary Insurance Agency | DIF |
| Website | www.HomeTownBankAlabama.com |
| Data Updated | 11/14/2025 |
| CERT | 57540 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $632.86M |
| Total Deposits | $541.74M |
| Total Liabilities | $573.65M |
| Total Equity Capital | $59.21M |
| Net Income | $2.26M |
| Net Loans and Leases | $386.13M |
| Assets Per Employee ($Millions) | $10.55M |
| Bank Premises and Fixed Assets | $11.73M |
| Cash and Balances due from Depository Institutions | $43.16M |
| Deposits Held in Domestic Offices | $541.74M |
Key Performance Ratios
| Return on Assets (ROA) | 1.42% |
| Return on Equity (ROE) | 15.59% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 58.03% |
| Tier 1 Risk-Based Capital Ratio | 19.542% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.355% |
| Earning Assets to total Assets | 92.34% |
Income and Expense
| Total Interest Income | $8.78M |
| Total Noninterest Income | $2.19M |
| Total Interest Expense | $3.38M |
| Total Noninterest Expense | $4.40M |
| Net Interest Income | $5.40M |
| Pre-tax Net Operating Income | $2.96M |
| Provision for Credit Losses | $225.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.24M |
| Other borrowed funds | $30.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.92M |
| Total Liabilities and Capital | $632.86M |
Securities
| Securities | $176.54M |
| Available-for-sale debt securities | $176.54M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Hometown Bank of Alabama?
$632.86M as of the latest filing.
How much are The Hometown Bank of Alabama's total deposits?
$541.74M in total deposits.
Where is The Hometown Bank of Alabama located?
Oneonta, AL.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
5.
When was it established?
10/20/2003.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$386.13M (latest filing).
What is the total interest income (latest filing)?
$8.78M.