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Homeland Community Bank

$100M-$1B Specialty: Commercial TN FDIC cert 57632

Mcminnville, TN

4 branches across TN

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 72 in TN.
  • Deposits -2.2% year over year ($227.2M on the books).
  • Delinquency rate 0.36%.
  • Return on assets 0.91%.
  • Efficiency ratio 66.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.83% 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 72 in TN
View $100M-$1B leaderboard (TN) →

Homeland Community Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 16.3% in tier
  • - ROA 0.41% below tier average
  • - Net Interest Margin 0.51% below tier average
  • - Efficiency Ratio 2.20% above tier average
Get updates when Homeland Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $244.1M
-1.1% YoY +3.2% QoQ
-$142.5M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $135.9M
+1.6% YoY +1.8% QoQ
-$122.4M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $227.2M
-2.2% YoY +3.0% QoQ
-$99.5M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 0.91%
+56.3% YoY +10.3% QoQ
-0.41% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 3.48%
+11.8% YoY +2.7% QoQ
-0.51% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 66.67%
-10.4% YoY -3.3% QoQ
+2.20% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.36%
-18.2% YoY -47.6% QoQ
-0.55% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 59.83%
+3.8% YoY -1.1% QoQ
-18.12% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 17.84%
+22.2% YoY +5.9% QoQ
-4.19% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 0.25%
-2.4% YoY -38.6% QoQ
-0.42% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 13.83%
+8.7% YoY +1.8% QoQ
-2.08% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.21%
-2.2% YoY +102.3% QoQ
-0.36% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
52%

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 (TN) National Avg Tier Percentile
Noninterest-Bearing 17.8%
+3.2pp YoY
+1.0pp QoQ
 -4.3pp 22.1% 18.8% 22.2% 35%
Brokered Deposits n/a n/a 7.9% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 14.7%
-1.7pp YoY
-0.8pp QoQ
 +3.2pp 11.6% 10.9% 12.5% 75%
CRE 36.4%
-2.9pp YoY
+0.8pp QoQ
 -3.1pp 39.5% 42.4% 41.4% 46%
1-4 Family 38.9%
+4.3pp YoY
-0.2pp QoQ
 +6.2pp 32.6% 39.8% 31.3% 68%
Consumer 3.4%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 4.1% 4.5% 5.0% 65%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 13.8%
+1.1pp YoY
+0.2pp QoQ
 -5.0pp 18.8% 14.8% 19.7% 38%
Leverage Ratio 8.5%
+0.7pp YoY
0.0pp QoQ
 -3.7pp 12.2% 11.4% 12.6% 6%
Total Capital Ratio 14.7%
+1.1pp YoY
+0.2pp QoQ
 -5.2pp 19.9% 15.9% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 37
+2 (+5.7%) YoY
+1 (+2.8%) QoQ
 -22 58 270 482 37%
Assets per Employee ($) $6.6M
-6.4% YoY
+0.4% QoQ
 -$922K $7.5M $7.1M $8.8M 44%
Branch Count 4
0 YoY
0 QoQ
 -1 4 17 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.4%
-0.1pp YoY
-0.3pp QoQ
 -0.6pp 0.9% 0.7% 1.0% 44%
Allowance Coverage 2.34x
+17.3% YoY
+89.4% QoQ
 -21.82x 24.15x 28.97x 20.23x 52%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 40%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 15.8%
+1.9pp YoY
+1.4pp QoQ
 +3.6pp 12.2% 10.9% 11.6% 72%
Cost of Funds (YTD) 1.6%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 1.7% 2.0% 1.7% 43%
Net Income ($, YTD) $1.1M
+51.9% YoY
— QoQ
 -$1.5M $2.6M $16.7M $40.4M 29%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#87 of 529 • Bottom 16.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.91%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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 (1 metrics)

451
Loan-to-Deposit Ratio
liquidity
Value: 59.83%
Peer Median: 77.95%
#451 of 2643 Top 17.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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