HOMETOWN BANK
HOMETOWN BANK is an FDIC-insured commercial bank headquartered in CARVER, MN, established in 1924. As of , 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 3.89%. CET1 capital ratio: 11.49%, well above regulatory minimums. NPL ratio: 0.49% · Texas Ratio: 3.92%. Operates 11 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Hometown Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.49% | 0.70% | 0.49% | 3.92% | 3.89% |
| 2025-09-30 | 11.64% | 0.84% | 0.30% | 2.39% | 3.85% |
| 2025-06-30 | 11.68% | 1.01% | 0.31% | 2.54% | 3.67% |
| 2025-03-31 | 12.28% | 0.66% | 0.10% | 0.83% | 3.54% |
| 2024-12-31 | 12.12% | 0.34% | 0.12% | 1.00% | 3.44% |
| 2024-09-30 | 12.03% | 0.57% | 0.12% | 0.99% | 3.30% |
| 2024-06-30 | 12.24% | 1.02% | 0.13% | 1.10% | 3.12% |
| 2024-03-31 | 12.27% | 0.42% | 0.14% | 1.17% | 2.97% |
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Frequently asked about HOMETOWN BANK
What are Hometown Bank's total assets?
As of the Q4 2025 filing, Hometown Bank reported total assets of $663.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Hometown Bank headquartered?
Hometown Bank is headquartered in CARVER, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Hometown Bank founded?
Hometown Bank was established in 1924, per the FDIC institution directory.
Is Hometown Bank FDIC-insured?
Yes. Hometown Bank is an FDIC-insured commercial bank (FDIC Certificate #31028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hometown Bank?
Hometown Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Hometown Bank's CET1 capital ratio?
Hometown Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.49% in its most recent quarterly filing — above regulatory minimums.
How many branches does Hometown Bank operate?
Hometown Bank operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Hometown Bank's Texas Ratio?
Hometown Bank's Texas Ratio is 3.92% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.