PeoplesTrust Bank
Total assets
$201.2M
▲ +3.4% YoY
Deposits
$177.6M
▲ +2.7% YoY
Loans
$131.6M
▼ -0.7% YoY
Offices
3
HOMETOWN BANCSHARES INC
ROA (annualized)
1.08%
peers 1.24%
ROE (annualized)
10.28%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | PeoplesTrust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.3 pts |
| Loan growth (YoY) | -0.7% | +5.6% | -6.3 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 10.3% | 11.9% | -1.6 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- HOMETOWN BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1281 Military St S, Hamilton, AL, 35570
- County
- Marion
- Offices
- 3
- FDIC cert #
- 57569
- RSSD ID
- 3282012
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.2M | $177.6M | $131.6M | $21.2M | $1.1M | 1.08% | 3.73% | 0.40% |
| Q1 2026 | $197.9M | $174.5M | $134.1M | $20.7M | $595K | 1.21% | 3.74% | 0.57% |
| Q4 2025 | $196.9M | $173.8M | $132.3M | $20.6M | $2.0M | 1.01% | 3.73% | 0.57% |
| Q3 2025 | $194.9M | $172.3M | $134.7M | $20.1M | $1.6M | 1.13% | 3.73% | 0.79% |
| Q2 2025 | $194.5M | $172.9M | $132.5M | $19.1M | $886K | 0.92% | 3.62% | 0.94% |
| Q1 2025 | $193.0M | $171.8M | $133.8M | $18.6M | $576K | 1.21% | 3.60% | 0.70% |
| Q4 2024 | $188.9M | $168.4M | $129.8M | $18.1M | $2.0M | 1.09% | 3.59% | 0.72% |
| Q3 2024 | $186.7M | $165.8M | $128.7M | $18.2M | $1.6M | 1.14% | 3.62% | 0.24% |
Loan mix (Q2 2026): real estate $85.5M · commercial $37.1M · consumer $9.7M · securities $25.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | PeoplesTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.96% | 38th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 62.9% | 47th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | PeoplesTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | PeoplesTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | PeoplesTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | PeoplesTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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