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Hometown Community Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10197

Cyrus, MN

4 branches across MN · ND

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +5.9% year over year ($90.8M on the books).
  • Delinquency rate 1.80%.
  • Return on assets 1.84%.
  • Efficiency ratio 47.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Hometown Community Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 15.1% in tier
  • + Efficiency Ratio 17.02% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 42.2% in tier
  • - NIB Deposit Bleed: Bottom 64.2% in tier
  • - Net Interest Margin 0.19% below tier average
Get updates when Hometown Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $105.7M
+7.7% YoY +2.6% QoQ
-$280.9M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 1.5% in tier
Total Loans ? $90.0M
+8.7% YoY +5.7% QoQ
-$168.3M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 14.9% in tier
Total Deposits ? $90.8M
+5.9% YoY -2.4% QoQ
-$235.9M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 2.8% in tier
Return on Assets ? 1.84%
+63.9% YoY -3.3% QoQ
+0.51% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 3.80%
+14.9% YoY -0.2% QoQ
-0.19% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 47.45%
-16.3% YoY +6.7% QoQ
-17.02% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 12.2% in tier
Delinquency Rate ? 1.80%
+10.5% YoY -5.2% QoQ
+0.88% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 14.7% in tier
Loan-to-Deposit Ratio ? 99.15%
+2.7% YoY +8.2% QoQ
+21.20% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 11.2% in tier
Non-Interest-Bearing Deposit Share ? 15.87%
-15.1% YoY -0.8% QoQ
-6.16% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 1.53%
+11.6% YoY -2.4% QoQ
+0.86% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 11.6% in tier
Tier 1 Capital Ratio ? 9.09%
-1.1% YoY -3.0% QoQ
-6.82% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 1.5% in tier
Non-Interest Income / Assets ? 0.08%
+98.0% YoY +92.6% QoQ
-0.49% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Bottom 11.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 15.9%
-2.8pp YoY
-0.1pp QoQ
 -6.3pp 22.1% 21.9% 22.2% 27%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 10.0%
-1.5pp YoY
+0.5pp QoQ
 -1.6pp 11.6% 14.6% 12.5% 52%
CRE 42.9%
+2.1pp YoY
-1.1pp QoQ
 +3.3pp 39.5% 36.5% 41.4% 58%
1-4 Family 21.4%
-0.5pp YoY
0.0pp QoQ
 -11.2pp 32.6% 29.4% 31.3% 33%
Consumer 2.2%
-0.5pp YoY
-0.2pp QoQ
 -1.9pp 4.1% 4.5% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 9.1%
-0.1pp YoY
-0.3pp QoQ
 -3.1pp 12.2% 11.0% 12.6% 13%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 14
0 YoY
0 QoQ
 -45 58 55 482 3%
Assets per Employee ($) $7.6M
+7.7% YoY
+2.6% QoQ
 +$33K $7.5M $8.6M $8.8M 62%
Branch Count 4
0 YoY
0 QoQ
 -1 4 4 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.2pp YoY
-0.1pp QoQ
 +0.9pp 0.3% 0.4% 0.4% 94%
Nonaccrual 0.6%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.9% 1.0% 1.0% 58%
Allowance Coverage 0.61x
-13.5% YoY
-0.1% QoQ
 -23.54x 24.15x 20.41x 20.23x 14%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 20.8%
+7.8pp YoY
-0.9pp QoQ
 +8.6pp 12.2% 13.1% 11.6% 90%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 78%
Net Income ($, YTD) $961,000
+80.3% YoY
— QoQ
 -$1.6M $2.6M $4.5M $40.4M 25%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#101 of 661 • Top 15.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.84%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#396 of 936 • Bottom 42.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#105 of 162 • Bottom 64.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 15.87%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

324
Efficiency Ratio
profitability
Value: 47.45%
Peer Median: 64.48%
#324 of 2643 Top 12.2% in $100M-$1B
492
Return on Assets
profitability
Value: 1.84%
Peer Median: 1.32%
#492 of 2643 Top 18.6% in $100M-$1B

Top Weaknesses (8 metrics)

2605
Tier 1 Capital Ratio
capital
Value: 9.09%
Peer Median: 15.91%
#2605 of 2643 Bottom 1.5% in $100M-$1B
2605
Total Assets
size
Value: $105.72M
Peer Median: $386.57M
#2605 of 2643 Bottom 1.5% in $100M-$1B
2571
Total Deposits
size
Value: $90.80M
Peer Median: $326.73M
#2571 of 2643 Bottom 2.8% in $100M-$1B
2348
Loan-to-Deposit Ratio
liquidity
Value: 99.15%
Peer Median: 77.95%
#2348 of 2643 Bottom 11.2% in $100M-$1B
2337
Nonperforming Asset Ratio
credit_quality
Value: 1.53%
Peer Median: 0.67%
#2337 of 2643 Bottom 11.6% in $100M-$1B
2334
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2334 of 2643 Bottom 11.7% in $100M-$1B
2246
Delinquency Rate
credit_quality
Value: 1.80%
Peer Median: 0.92%
#2246 of 2633 Bottom 14.7% in $100M-$1B
2251
Total Loans
size
Value: $90.03M
Peer Median: $258.35M
#2251 of 2643 Bottom 14.9% in $100M-$1B
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