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Homeland Community Bank

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

Mcminnville, TN

4 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Homeland Community Bank has 1 strength but faces 5 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 0.19% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 36.8% in tier
  • - Credit Quality Pressure: Bottom 44.3% in tier
  • - ROA 0.44% below tier average
  • - Net Interest Margin 0.54% below tier average
  • - Efficiency Ratio 3.66% above tier average
Get updates when Homeland Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $236.6M
-4.0% YoY +3.9% QoQ
-$149.5M $386.1M
+0.5% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
34%
Total Loans ? $133.5M
-2.0% YoY +1.3% QoQ
-$122.2M $255.7M
+1.1% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
30%
Total Deposits ? $220.7M
-5.2% YoY +4.2% QoQ
-$107.3M $328.0M
+0.1% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
39%
Return on Assets ? 0.83%
+51.4% YoY +27.5% QoQ
-0.44% 1.27%
+12.9% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
28%
Net Interest Margin ? 3.39%
+10.9% YoY +4.0% QoQ
-0.54% 3.93%
+6.0% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
26%
Efficiency Ratio ? 68.95%
-9.9% YoY -3.6% QoQ
+3.66% 65.29%
-4.5% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
35%
Delinquency Rate ? 0.70%
+55.3% YoY +80.0% QoQ
-0.19% 0.89%
+18.8% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
37%
Loan-to-Deposit Ratio ? 60.49%
+3.4% YoY -2.8% QoQ
-16.15% 76.64%
+0.8% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
81%
Non-Interest-Bearing Deposit Share ? 16.85%
+5.5% YoY +1.8% QoQ
-5.17% 22.02%
-1.0% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
31%
Nonperforming Asset Ratio ? 0.40%
+55.1% YoY +72.2% QoQ
-0.24% 0.64%
+19.7% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
43%
Tier 1 Capital Ratio ? 13.59%
+10.9% YoY +1.7% QoQ
-2.24% 15.83%
+1.5% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.10%
+0.8% YoY -77.9% QoQ
-0.18% 0.28%
+9.3% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
53%

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 (2)

Deposit Outflow

decline
#187 of 506 • Bottom 36.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#580 of 1308 • Bottom 44.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.70%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

514
Loan-to-Deposit Ratio
liquidity
Value: 60.49%
Peer Median: 76.64%
#514 of 2664 Top 19.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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