Hometown Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hometown Community Bank of Cyrus, MN 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 | 1.80% | 1.34% | +0.46% | 78th top |
| ROAE | 19.84% | 13.31% | +6.53% | 86th top |
| Net Interest Margin | 3.83% | 3.93% | -0.10% | 44th below |
| Efficiency Ratio | 49.53% | 61.14% | -11.61% | 81st top |
| PPNR / Avg Assets | 1.89% | 1.68% | +0.21% | 67th above |
| Yield on Earning Assets | 5.96% | 5.67% | +0.29% | 67th above |
| Cost of Funds | 2.35% | 1.88% | +0.47% | 19th bottom |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.94% | -0.34% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.52% | 0.70% | -0.18% | 37th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 181.14% | 1538.82% | -1357.68% | 45th below |
| Texas Ratio | 16.18% | 7.33% | +8.85% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.09% | 12.14% | -3.05% | 14th bottom |
| Equity / Assets | 8.98% | 11.37% | -2.39% | 27th below |
| TCE / Tangible Assets | 8.57% | 11.09% | -2.52% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.24% | 80.63% | +19.61% | 11th bottom |
| Core Deposit Ratio | 84.58% | 86.86% | -2.28% | 29th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.45% | 5.03% | -0.58% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.65% | 6.85% | +0.80% | 73rd above |
| Loan Growth (Y/Y) | 8.64% | 7.90% | +0.74% | 68th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.88% | 6.29% | -0.41% | 63rd above |
See Hometown Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hometown 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 Hometown Community Bank profile, how to read a UBPR, or how this data updates.