Hometown Bank
Hometown Bank is the primary bank subsidiary of its parent holding company, headquartered in Carver, MN, in the Upper Midwest banking corridor. Total assets stand at $673M. Returns are in line with industry norms at 0.71% ROA and 9.53% ROE; net interest margin is 4.08%. Capital is comfortably above regulatory minimums — CET1 ratio of 10.82% sits well above the 7% well-capitalized threshold. Asset quality is pristine — 0.43% NPLs and a 4.09% Texas Ratio. Hometown operates a 11-branch network.
Headquarters Profile
- Address
- 1600 Monroe Drive, CARVER, MN 55315
- County
- Carver
- Metro Area
- MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 1, 1924
- Branches
- 11 domestic
- Employees (FTE)
- 138
- FDIC Cert
- 31028
- Fed RSSD
- 788773
- Website
- www.myht.bank →
- Parent Holding Company
- REDWOOD FINANCIAL, INC. (RSSD 3800797)
Capital & Liquidity
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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 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Hometown Bank
What are Hometown Bank's total assets?
As of the Q1 2026 filing, Hometown Bank reported total assets of $673.1 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 10.82% 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 4.09% — 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.
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