Hometown Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Hometown Community Bank is an FDIC-insured commercial bank headquartered in Cyrus, MN, established in 1901 (FDIC certificate 10197), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $105.7M, up 7.7% from Q2 2025, the 167th largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.09% 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
- 10197
- Headquarters
- Cyrus, MN
- Established
- 1901
- Total assets, Q2 2026
- $105.7M
- Assets vs Q2 2025
- +7.7%
- Tier 1 leverage ratio, Q2 2026
- 9.09%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091207058
- Latest call report
- Q2 2026, FFIEC 051 · Hometown Community Bank call report
- Holding company
- CYRUS BANCSHARES, INC.
- Asset rank in state
- 167th of 221 in Minnesota
Hometown Community Bank, based in Cyrus, Minnesota, reported $106 million in assets at June 30, 2026, up 7.7% from a year earlier. It carries problem assets equal to 16.2% of the capital and reserves that would absorb them, 6.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.09% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $467,000, 67% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.78% of loans from 1.61% a year earlier. Funding is the softer spot: it pays an average of 2.35% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Hometown Community Bank reported a return on assets of 1.80%, a nonperforming-loan ratio of 1.78% and a Texas ratio of 16.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Hometown Community Bank is the 167th largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets rose 2.6% to $105.7M, loans rose 5.6% and deposits fell 2.4%. 1-4 family residential loans made up 21.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Cyrus office books 39% of its branch deposits. On its Q2 2026 call report, Hometown Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Main St, Cyrus, MN 56323
- County
- Pope
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 7, 1901
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $90.8M
- Allowance for credit losses
- $989K
- Net charge-offs (YTD)
- $0
- Average total assets
- $104.0M
- Average total loans
- $88.2M
- Average interest-bearing deposits
- $76.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10197
- Fed RSSD
- 156457
- Website
- www.hcbmn.com →
- Parent Holding Company
- CYRUS BANCSHARES, INC. (RSSD 2752125)
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, Hometown Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Hometown Community Bank's total assets ranged from $81.8M (Q3 2023) to $105.7M (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
$105.7M total assets against $98.2M; $96.2M total liabilities against $89.8M.
$90.0M net loans and leases against $82.8M; $90.8M total deposits against $85.8M.
$11.2M securities against $8.6M; $1.9M cash and balances due against $4.3M.
$1.5M total interest income against $1.3M; $538K total interest expense against $533K.
$950K net interest income against $761K.
$40K total noninterest income against $22K; $499K total noninterest expense against $437K.
$0 provision for credit losses against $45K.
$467K net income against $279K.
1.80% return on assets against 1.22%; 3.83% net interest margin against 3.47%.
9.09% tier 1 leverage ratio against 9.19%.
Inside the full Hometown Community Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Hometown Community Bank rankings
Its closest position to the top of a national ranking is 263 of 3,640, for Texas Ratio; its furthest is 3,625 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q4 2024) to 1.99% (Q1 2026) and its net interest margin ran from 3.13% (Q3 2024) to 3.89% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.09% | 1.80% | 1.78% | 16.18% | 3.83% |
| Q1 2026 | 9.38% | 1.99% | 1.88% | 16.41% | 3.85% |
| Q4 2025 | 8.88% | 1.58% | 1.33% | 12.41% | 3.89% |
| Q3 2025 | 8.81% | 1.34% | 1.64% | 15.01% | 3.65% |
| Q2 2025 | 9.19% | 1.22% | 1.61% | 15.18% | 3.47% |
| Q1 2025 | 9.39% | 1.14% | 1.41% | 12.75% | 3.33% |
| Q4 2024 | 9.06% | 0.86% | 0.86% | 8.24% | 3.18% |
| Q3 2024 | 9.45% | 0.97% | 0.91% | 8.58% | 3.13% |
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 |
|---|---|---|---|
| Hometown Community Bank (main office) | Cyrus , MN | 56323 | $35.5M |
| Quality Bank | Page , ND | 58064 | $26.2M |
| Forada Branch | Alexandria , MN | 56308 | $16.0M |
| Quality Bank Branch | Fingal , ND | 58031 | $13.0M |
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 |
|---|---|---|---|
| June 16, 2018 | Structure Change | Acquired Quality Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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 MN, rank 243 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 24 applications, 21 loans originated, $3.1M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $550K approved, $550K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Hometown Community Bank
What are Hometown Community Bank's total assets?
As of the Q2 2026 filing, Hometown Community Bank reported total assets of $105.7 million in its FFIEC call report.
Where is Hometown Community Bank headquartered?
It is headquartered in Cyrus, MN, United States.
When was Hometown Community Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Hometown Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hometown Community Bank?
Hometown Community Bank's primary federal regulator is the FDIC.
How many branches does Hometown 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 Hometown Community Bank's Texas Ratio?
Its Texas Ratio is 16.18% 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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