Homebank
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Data as of · sourced from FFIEC call reports. How we update
Homebank is an FDIC-insured commercial bank headquartered in Palmyra, MO, established in 1934 (FDIC certificate 14492), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $733.3M, up 12.2% from Q2 2025, the 53rd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14492
- Headquarters
- Palmyra, MO
- Established
- 1934
- Total assets, Q2 2026
- $733.3M
- Assets vs Q2 2025
- +12.2%
- Tier 1 leverage ratio, Q2 2026
- 9.61%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 081517936
- Latest call report
- Q2 2026, FFIEC 051 · Homebank call report
- Holding company
- BYRON B. WEBB, INC.
- Asset rank in state
- 53rd of 191 in Missouri
Homebank is one of the more profitable banks of its size. Its balance sheet stood at $733 million at June 30, 2026, up 12.2% from a year earlier; it is based in Palmyra, Missouri. It earns about $2.26 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also grew its loan book 15.0% over the year, about triple the median of 5.5% for banks its size. A wide margin does most of the work: it keeps 4.68 cents of net interest income on every dollar of earning assets.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.29% of loans from 0.70%. Net income for the quarter rose 22% from a year earlier, to $4.1 million. Where it has less room is capital: it funds 9.61% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Homebank reported a return on assets of 2.26%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.44%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Homebank is the 53rd largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $733.3M, loans rose 1.5% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 25.7% of total loans, followed by commercial and industrial loans at 18.2%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities across 2 states; its Palmyra office books 32% of its branch deposits. Judged on its Q2 2026 call report, Homebank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 400 S Main St, Palmyra, MO 63461
- County
- Marion
- Metro Area
- Hannibal, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1934
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 129
- Domestic deposits
- $604.3M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $731.8M
- Average total loans
- $621.1M
- Average interest-bearing deposits
- $475.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1934
- FDIC Cert
- 14492
- Fed RSSD
- 697156
- Website
- www.myhomebank.bank →
- Parent Holding Company
- BYRON B. WEBB, INC. (RSSD 1094480)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Homebank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Homebank's total assets ran between $571.8M (Q3 2023) and $733.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$733.3M total assets against $653.4M; $664.5M total liabilities against $591.8M.
$619.1M net loans and leases against $538.5M; $604.3M total deposits against $545.5M.
$30.8M securities against $38.1M; $40.5M cash and balances due against $36.8M.
$11.4M total interest income against $10.2M; $3.4M total interest expense against $3.2M.
$8.0M net interest income against $7.0M.
$1.3M total noninterest income against $996K; $5.1M total noninterest expense against $4.5M.
$136K provision for credit losses against $104K.
$4.1M net income against $3.4M.
2.26% return on assets against 2.05%; 4.68% net interest margin against 4.58%.
9.61% tier 1 leverage ratio against 9.76%.
Inside the full Homebank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Homebank rankings
Its closest position to the top of a national ranking is 265 of 3,611, for ROA; its furthest is 2,067 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.53% (Q4 2025) to 2.26% (Q2 2026) and its net interest margin ran from 4.30% (Q3 2024) to 4.75% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.61% | 2.26% | 0.29% | 2.44% | 4.68% |
| Q1 2026 | 9.65% | 1.99% | 0.54% | 4.57% | 4.70% |
| Q4 2025 | 9.64% | 1.53% | 0.60% | 4.93% | 4.65% |
| Q3 2025 | 9.81% | 2.15% | 0.64% | 5.12% | 4.75% |
| Q2 2025 | 9.76% | 2.05% | 0.70% | 5.70% | 4.58% |
| Q1 2025 | 9.56% | 1.86% | 1.62% | 13.22% | 4.38% |
| Q4 2024 | 9.65% | 1.78% | 0.79% | 6.56% | 4.36% |
| Q3 2024 | 9.59% | 1.57% | 0.02% | 0.19% | 4.30% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Homebank (main office) | Palmyra , MO | 63461 | $195.0M |
| Bank of Quincy Branch | Quincy , IL | 62301 | $142.5M |
| Lake St LouisOfallon Branch | O Fallon , MO | 63366 | $62.6M |
| Hannibal Branch | Hannibal , MO | 63401 | $58.8M |
| Quincy Branch | Quincy , IL | 62305 | $47.9M |
| Homebank of Centralia | Centralia , MO | 65240 | $42.1M |
| Mexico Branch | Mexico , MO | 65265 | $30.4M |
| Canton Branch | Canton , MO | 63435 | $18.0M |
| Bowling Green Branch | Bowling Green , MO | 63334 | $6.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 31, 2015 | Structure Change | Acquired Bank of Quincy Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 89 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $1.9M approved, $625K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Homebank
What are Homebank's total assets?
As of the Q2 2026 filing, Homebank reported total assets of $733.3 million in its FFIEC call report.
Where is Homebank headquartered?
It is headquartered in Palmyra, MO, United States.
When was Homebank founded?
It was established in 1934, per the FDIC institution directory.
Is Homebank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Homebank?
Homebank's primary federal regulator is the FDIC.
How many branches does Homebank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Homebank's Texas Ratio?
Its Texas Ratio is 2.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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