HOMETOWN BANK

CARVER, MN | Medium | Est. Jan. 1, 1924, midnight | FDIC #31028 | RSSD #788773 | FDIC
Latest Report: 2025-12-31

HOMETOWN BANK is amn medium FDIC-insured commercial bank headquartered in CARVER, MN, established in Jan. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $663M and total deposits of $586M. Profitability stands at 0.70% ROA and 9.33% ROE, with a net interest margin of 3.97%. The bank's CET1 capital ratio is 11.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 3.92%. FDIC Certificate #31028.

Assets

$663M

Deposits

$586M

Loans

$452M

Equity

$51M

Profitability

Return on Assets (ROA) 0.70%
Return on Equity (ROE) 9.33%
Net Interest Margin (NIM) 3.97%
Yield on Assets 5.36%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.92%
NPA Ratio 0.34%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 11.49%
Tier 1 Capital 11.49%
Total Capital Ratio 12.74%
Leverage Ratio 8.18%
Loan-to-Deposit 77.07%

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