Hometown Community 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 Loan-to-deposit ratio: 7.55 percentage points higher than in Q1 2026, at 100.24%. Within Minnesota, Hometown Community Bank is 55th of 221 on return on assets, 1.80% as of Q2 2026, above the middle of the field. Hometown Community Bank reported 1.80% on return on assets for Q2 2026, 0.54 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.09% |
| Equity capital to assets | 8.98% |
| Tangible equity to tangible assets | 8.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 16.18% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 181.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.80% |
| Return on equity | 19.84% |
| Net interest margin | 3.83% |
| Efficiency ratio | 49.53% |
| Yield on earning assets | 5.96% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.24% |
| Core deposits to total deposits | 84.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.89% |
| Securities to assets | 10.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.32% | 1.08% | 3.61% | 0.00% | 0.00% |
| Q4 2023 | 9.60% | 0.86% | 3.34% | 0.02% | 0.00% |
| Q1 2024 | 9.86% | 1.14% | 3.54% | 0.00% | 0.00% |
| Q2 2024 | 9.82% | 0.54% | 3.09% | 0.94% | 0.00% |
| Q3 2024 | 9.45% | 0.97% | 3.13% | 0.91% | 0.00% |
| Q4 2024 | 9.06% | 0.86% | 3.18% | 0.86% | 0.00% |
| Q1 2025 | 9.39% | 1.14% | 3.33% | 0.85% | -0.20% |
| Q2 2025 | 9.19% | 1.22% | 3.47% | 0.65% | 0.00% |
| Q3 2025 | 8.81% | 1.34% | 3.65% | 0.83% | 0.00% |
| Q4 2025 | 8.88% | 1.58% | 3.89% | 0.62% | 0.18% |
| Q1 2026 | 9.38% | 1.99% | 3.85% | 0.63% | 0.00% |
| Q2 2026 | 9.09% | 1.80% | 3.83% | 0.60% | 0.00% |
Hometown Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10197) · FFIEC NIC profile (RSSD 156457)