Hometown Community Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 19.05 percentage points lower than in Q1 2026, at 266.67%. Hometown Community Bank ranks 133rd of 221 Minnesota banks on net interest margin, in the lower half at 3.83% (Q2 2026). Hometown Community Bank reported 3.83% on net interest margin for Q2 2026, 0.12 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.31% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 266.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $538K |
| Interest expense on deposits | $512K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.28% | 1.78% | 3.61% | 5.68% | 2.51% |
| Q4 2023 | 5.23% | 1.94% | 3.34% | 5.66% | 2.33% |
| Q1 2024 | 5.53% | 2.04% | 3.54% | 5.91% | 2.10% |
| Q2 2024 | 5.39% | 2.37% | 3.09% | 5.66% | 1.95% |
| Q3 2024 | 5.69% | 2.66% | 3.13% | 6.11% | 1.94% |
| Q4 2024 | 5.68% | 2.62% | 3.18% | 6.31% | 0.83% |
| Q1 2025 | 5.64% | 2.47% | 3.33% | 6.00% | 1.70% |
| Q2 2025 | 5.84% | 2.51% | 3.47% | 6.20% | 2.28% |
| Q3 2025 | 5.89% | 2.37% | 3.65% | 6.36% | 2.39% |
| Q4 2025 | 6.14% | 2.36% | 3.89% | 6.55% | 2.78% |
| Q1 2026 | 5.96% | 2.24% | 3.85% | 6.33% | 2.90% |
| Q2 2026 | 5.96% | 2.35% | 3.83% | 6.31% | 3.16% |
Hometown Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Community Bank, freeSource: Call Report Schedules RI and RC-K, 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)