Hometown Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.40 percentage points lower than in Q1 2026, at 200.19%. Hometown Community Bank ranks 34th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 100.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hometown Community Bank sits 19.40 points higher, at 100.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $91.0M |
| Net loans and leases | $90.0M |
| Loans held for sale | $0 |
| Loans to total assets | 86.10% |
| Loan-to-deposit ratio | 100.24% |
| Net loans to equity capital | 9.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.97% |
| Multifamily (5+ residential) | 9.67% |
| Commercial and industrial | 9.86% |
| Consumer | 2.16% |
| Credit cards | 0.18% |
| Farm | 9.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.19% |
| Construction concentration (Tier 1 capital + allowance) | 40.96% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.31% |
| Interest income on loans | $1.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $69.0M | $69.5M | 29.44% | 10.16% | 3.01% |
| Q4 2023 | $71.8M | $73.9M | 29.02% | 8.61% | 3.20% |
| Q1 2024 | $72.3M | $78.2M | 32.21% | 8.69% | 2.56% |
| Q2 2024 | $77.0M | $77.3M | 31.37% | 8.50% | 2.64% |
| Q3 2024 | $79.1M | $81.4M | 30.35% | 9.32% | 2.58% |
| Q4 2024 | $80.8M | $81.7M | 30.13% | 9.08% | 2.51% |
| Q1 2025 | $78.9M | $84.0M | 31.61% | 10.52% | 3.71% |
| Q2 2025 | $83.8M | $85.8M | 29.63% | 11.37% | 2.61% |
| Q3 2025 | $84.0M | $84.8M | 28.01% | 11.13% | 2.59% |
| Q4 2025 | $87.7M | $94.4M | 28.18% | 9.17% | 2.59% |
| Q1 2026 | $86.2M | $93.0M | 27.42% | 9.33% | 2.34% |
| Q2 2026 | $91.0M | $90.8M | 27.97% | 9.86% | 2.16% |
Hometown Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Community Bank, freeSource: Call Report Schedule RC-C, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10197) · FFIEC NIC profile (RSSD 156457)