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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Corbin, KY · FDIC certificate #35455
HOMETOWN BANK OF CORBIN INC is an FDIC-insured institution based in Corbin, KY (FDIC certificate #35455). In its Q3 2026 Call Report it reported total assets of $306M, total deposits of $270M and net loans of $202M. Its primary federal regulator is FDIC.
Plain-language readout
HOMETOWN BANK OF CORBIN INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $306M in Q3 2026 and were lowest at $298M in Q1 2026.
Total deposits were highest at $270M in Q3 2026 and lowest at $265M in Q1 2026.
Over the whole period total assets rose 2.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $306M | $270M | $202M | 0.80% | 12.26% | 3.81% |
| Q2 2026 | $302M | $268M | $190M | 0.78% | 11.76% | 3.76% |
| Q1 2026 | $298M | $265M | $183M | 0.75% | 11.33% | 3.64% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.6M | $13.2M | +$1.5M | +11.0% |
| Federal funds sold | $400K | $400K | $0K | 0.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $81.1M | $84.7M | -$3.6M | -4.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $189.8M | $183.0M | +$6.8M | +3.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.0M | $5.0M | -$17K | -0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $207K | $210K | -$3K | -1.4% |
| All other assets | $11.1M | $11.5M | -$388K | -3.4% |
| Total assets | $302.3M | $298.0M | +$4.2M | +1.4% |
| Liabilities | ||||
| Total deposits | $268.1M | $265.0M | +$3.1M | +1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $10.2M | $8.7M | +$1.5M | +17.4% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $2.0M | $3.0M | -$1.0M | -33.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.8M | $1.6M | +$245K | +15.6% |
| Total liabilities | $282.2M | $278.3M | +$3.8M | +1.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $550K | $550K | $0K | 0.0% |
| Surplus | $11.5M | $11.5M | $0K | 0.0% |
| Retained earnings | $14.9M | $14.5M | +$408K | +2.8% |
| Accumulated other comprehensive income | -$6.9M | -$6.8M | -$18K | -0.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.1M | $19.7M | +$390K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $990K | $983K | +$7K | +0.7% |
| Adjusted nonperforming assets | $990K | $983K | +$7K | +0.7% |
| Tangible equity plus allowance | $21.5M | $21.1M | +$443K | +2.1% |
| Texas ratio (gross) | 4.60% | 4.67% | -0.06 pts | See points |
| Texas ratio (adjusted) | 4.60% | 4.67% | -0.06 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 12.47% | 12.55% | -0.07 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.47% | 12.55% | -0.07 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.75% | 0.74% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.22% | 13.28% | -0.07 pts | See points |
| Tier 1 leverage (approximate) | 8.78% | 8.60% | +0.18 pts | See points |
| Construction and land loans to total capital | 68.64% | 72.40% | -3.76 pts | See points |
| Commercial real estate to total capital | 200.47% | 198.61% | +1.86 pts | See points |
| Dividend payout, year to date | 34.22% | 35.71% | -1.50 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -34.16% | -34.59% | +0.43 pts | See points |
| Liquidity | ||||
| Core deposits | $248.2M | $243.9M | +$4.4M | +1.8% |
| Non-core funding | $32.1M | $32.9M | -$764K | -2.3% |
| Loans to core deposits | 77.12% | 75.70% | +1.43 pts | See points |
| Loans to deposits | 71.40% | 69.65% | +1.75 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 55.66% | 49.02% | +6.64 pts | See points |
| Loans pledged, share of loans | 1.51% | 2.36% | -0.84 pts | See points |
| Volatile liabilities | $35.9M | $36.6M | -$764K | -2.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.6M | $730K | +$835K | +114.4% |
| Earnings before provision, single quarter | $835K | $730K | +$105K | +14.4% |
| Provision for credit losses, year to date | $144K | $51K | +$93K | +182.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.32% | 6.10% | +0.22 pts | See points |
| Yield on interest-bearing balances due from banks | 3.14% | 2.92% | +0.22 pts | See points |
| Total interest income to average assets | 4.71% | 4.52% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 1.40% | 1.43% | -0.04 pts | See points |
| Cost of savings and money market deposits | 0.53% | 0.39% | +0.14 pts | See points |
| Cost of time deposits | 2.87% | 2.92% | -0.05 pts | See points |
| Total interest expense to average assets | 1.12% | 1.21% | -0.09 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $306M | $270M | $202M | 0.80% | 12.26% | 3.81% |
| 2026-06-30 | $302M | $268M | $190M | 0.78% | 11.76% | 3.76% |
| 2026-03-31 | $298M | $265M | $183M | 0.75% | 11.33% | 3.64% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $280.5M | 0.23% | 76 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.