Homeland Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Homeland Community Bank of McMinnville, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.34% | -0.35% | 33rd below |
| ROAE | 17.24% | 13.31% | +3.93% | 77th top |
| Net Interest Margin | 3.40% | 3.93% | -0.53% | 24th bottom |
| Efficiency Ratio | 64.37% | 61.14% | +3.23% | 41st below |
| PPNR / Avg Assets | 1.35% | 1.68% | -0.33% | 36th below |
| Yield on Earning Assets | 4.88% | 5.67% | -0.79% | 19th bottom |
| Cost of Funds | 1.55% | 1.88% | -0.33% | 66th above |
| Net Interest Spread | 2.97% | 3.32% | -0.35% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.42% | 0.94% | -0.52% | 50th above |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 53rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) | 203.16% | 1539.02% | -1335.86% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.40% | 7.33% | -2.93% | 45th below |
| Provision / NCO | -200.00% | 1396.06% | -1596.06% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.83% | 19.50% | -5.67% | 37th below |
| Tier 1 Ratio | 13.83% | 19.54% | -5.71% | 37th below |
| Total Capital Ratio | 14.72% | 20.62% | -5.90% | 34th below |
| Leverage Ratio | 8.46% | 12.14% | -3.68% | 6th bottom |
| Equity / Assets | 5.83% | 11.38% | -5.55% | 2nd bottom |
| TCE / Tangible Assets | 5.83% | 11.09% | -5.26% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.34% | 80.64% | -20.30% | 83rd top |
| Core Deposit Ratio | 86.04% | 86.86% | -0.82% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.10% | 6.85% | -7.95% | 14th bottom |
| Loan Growth (Y/Y) | 1.53% | 7.90% | -6.37% | 29th below |
| Deposit Growth (Y/Y) | -2.15% | 6.29% | -8.44% | 13th bottom |
See Homeland Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Homeland Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Homeland Community Bank profile, how to read a UBPR, or how this data updates.