Hometown Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 47.28 percentage points higher than in Q1 2026, at 342.17%. Hometown Bank ranks 175th of 221 Minnesota banks on return on assets, in the lower half at 0.96% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Hometown Bank sits 0.30 points lower, at 0.96% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.75% |
| Tier 1 risk-based capital ratio | 10.75% |
| Total risk-based capital ratio | 11.99% |
| Tier 1 leverage ratio | 8.28% |
| Equity capital to assets | 7.77% |
| Tangible equity to tangible assets | 7.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.39% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 342.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 12.59% |
| Net interest margin | 4.17% |
| Efficiency ratio | 68.81% |
| Yield on earning assets | 5.50% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.49% |
| Core deposits to total deposits | 94.61% |
| Brokered deposits to total deposits | 2.65% |
| Deposits to assets | 89.25% |
| Securities to assets | 17.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.34% | 12.34% | 13.60% | 8.02% | 0.43% |
| Q4 2023 | 12.48% | 12.48% | 13.73% | 8.17% | 0.59% |
| Q1 2024 | 12.27% | 12.27% | 13.52% | 8.20% | 0.41% |
| Q2 2024 | 12.24% | 12.24% | 13.50% | 8.14% | 0.99% |
| Q3 2024 | 12.03% | 12.03% | 13.28% | 8.17% | 0.56% |
| Q4 2024 | 12.12% | 12.12% | 13.37% | 8.16% | 0.33% |
| Q1 2025 | 12.28% | 12.28% | 13.53% | 8.38% | 0.65% |
| Q2 2025 | 11.68% | 11.68% | 12.93% | 8.22% | 0.99% |
| Q3 2025 | 11.64% | 11.64% | 12.89% | 8.21% | 0.83% |
| Q4 2025 | 11.49% | 11.49% | 12.74% | 8.18% | 0.70% |
| Q1 2026 | 10.82% | 10.82% | 12.07% | 8.13% | 0.71% |
| Q2 2026 | 10.75% | 10.75% | 11.99% | 8.28% | 0.96% |
Hometown Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hometown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31028) · FFIEC NIC profile (RSSD 788773)