Homeland Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Homeland Community Bank is an FDIC-insured commercial bank headquartered in McMinnville, TN, established in 2003 (FDIC certificate 57632), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $244.1M, down 1.1% from Q2 2025, the 82nd largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 13.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57632
- Headquarters
- McMinnville, TN
- Established
- 2003
- Total assets, Q2 2026
- $244.1M
- Assets vs Q2 2025
- -1.1%
- CET1 ratio, Q2 2026
- 13.83%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 064108838
- Latest call report
- Q2 2026, FFIEC 051 · Homeland Community Bank call report
- Holding company
- HOMELAND COMMUNITY BANCORP, INC
- Asset rank in state
- 82nd of 109 in Tennessee
Homeland Community Bank operates with a thinner capital cushion than most banks of its size. Based in Mcminnville, Tennessee, it had $244 million in assets at June 30, 2026, down 1.1% from a year earlier. It funds 8.46% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also lost 2.2% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $597,000, 57% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.3 million equal 41% of Tier 1 capital, down from 54% a year earlier. Its margin is thin by comparison: it keeps 3.40 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Homeland Community Bank reported a CET1 capital ratio of 13.83%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 3.92%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Homeland Community Bank is the 82nd largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets rose 3.2% to $244.1M, loans rose 1.8% and deposits rose 3.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.5% of total loans, followed by owner-occupied commercial real estate loans at 15.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in TN; its Mcminnville office books 89% of its branch deposits. Judged on its Q2 2026 call report, Homeland Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 900 N Chancery St, McMinnville, TN 37110
- County
- Warren
- Metro Area
- McMinnville, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 24, 2003
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $227.2M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $240.1M
- Average total loans
- $133.7M
- Average interest-bearing deposits
- $188.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 24, 2003
- FDIC Cert
- 57632
- Fed RSSD
- 3223408
- Website
- http://www.homelandcb.com →
- Parent Holding Company
- HOMELAND COMMUNITY BANCORP, INC (RSSD 5760756)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Homeland Community Bank's total assets ranged from $217.7M (Q3 2023) to $246.8M (Q2 2025), 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
$244.1M total assets against $246.8M; $229.8M total liabilities against $235.4M.
$135.9M net loans and leases against $133.8M; $227.2M total deposits against $232.2M.
$68.3M securities against $73.5M; $28.5M cash and balances due against $27.7M.
$2.9M total interest income against $3.0M; $883K total interest expense against $1.2M.
$2.0M net interest income against $1.8M.
$261K total noninterest income against $270K; $1.5M total noninterest expense against $1.5M.
$15K provision for credit losses against $15K.
$597K net income against $380K.
0.99% return on assets against 0.63%; 3.40% net interest margin against 3.03%.
13.83% CET1 capital ratio against 12.72%; 8.46% tier 1 leverage ratio against 7.79%.
Inside the full Homeland Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHomeland Community Bank rankings
Its closest position to the top of a national ranking is 1,594 of 3,640, for Texas Ratio; its furthest is 2,520 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.54% (Q4 2024) to 0.99% (Q2 2026) and its net interest margin ran from 2.93% (Q1 2025) to 3.40% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.83% | 0.99% | 0.36% | 3.92% | 3.40% |
| Q1 2026 | 13.59% | 0.83% | 0.69% | 6.50% | 3.24% |
| Q4 2025 | 13.36% | 0.71% | 0.38% | 3.68% | 3.25% |
| Q3 2025 | 13.14% | 0.70% | 0.40% | 4.08% | 3.11% |
| Q2 2025 | 12.72% | 0.63% | 0.44% | 4.98% | 3.03% |
| Q1 2025 | 12.26% | 0.55% | 0.44% | 5.53% | 2.93% |
| Q4 2024 | 12.42% | 0.54% | 0.52% | 7.19% | 2.95% |
| Q3 2024 | 12.82% | 0.63% | 0.58% | 6.43% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Homeland Community Bank (main office) | Mcminnville , TN | 37110 | $202.1M |
| Woodbury Branch | Woodbury , TN | 37190 | $13.6M |
| Morrison Branch | Morrison , TN | 37357 | $10.4M |
| Mt. Leo Branch | Mc Minnville , TN | 37110 | $1.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 103 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Homeland Community Bank
What are Homeland Community Bank's total assets?
As of the Q2 2026 filing, Homeland Community Bank reported total assets of $244.1 million in its FFIEC call report.
Where is Homeland Community Bank headquartered?
It is headquartered in McMinnville, TN, United States.
When was Homeland Community Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Homeland Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Homeland Community Bank?
Homeland Community Bank's primary federal regulator is the FDIC.
What is Homeland Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Homeland Community Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Homeland Community Bank's Texas Ratio?
Its Texas Ratio is 3.92% 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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