HOMETOWN COMMUNITY BANK

CYRUS, MN | Small | Est. Oct. 7, 1901, midnight | FDIC #10197 | RSSD #156457 | FDIC
Latest Report: 2025-12-31

HOMETOWN COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in CYRUS, MN, established in Oct. 7, 1901, midnight. As of 2025-12-31, the bank reported total assets of $105M and total deposits of $94M. Profitability stands at 1.52% ROA and 17.74% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 7.67%. Asset quality metrics show a non-performing loan ratio of 0.62% and a Texas Ratio of 5.47%. FDIC Certificate #10197.

Assets

$105M

Deposits

$94M

Loans

$88M

Equity

$9M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 17.74%
Net Interest Margin (NIM) 3.87%
Yield on Assets 6.15%
Cost of Funds 2.75%

Asset Quality

NPL Ratio 0.62%
Net Charge-Off Ratio -0.04%
Texas Ratio 5.47%
NPA Ratio 0.52%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 7.67%
Tier 1 Capital 7.67%
Total Capital Ratio 8.05%
Leverage Ratio 8.88%
Loan-to-Deposit 92.96%

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