FDIC Cert #31028 · Carver, Minnesota · Est. 1924

HomeTown Bank - FDIC Bank Health Profile

A community-scale look at HomeTown Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$663M
Total assets
B
Health grade · Good
0.80%
Return on assets
11.5%
Tier 1 capital

Data updated July 2026

The verdict

HomeTown Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.49% Tier 1, 0.80% ROA, 71% efficiency ratio.

#1,437
largest of 4,313 FDIC banks by assets
67th
percentile by asset size, nationally
11.49%
Tier 1 ratio - above the 10% well-capitalized line
29th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 31028 · MN B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3378/4307
  • PHOTO-FINISH Community Bank · TN
  • TIER1-WELL 11.5% Tier 1
  • TEXAS-CLEAN 4.7% Texas
  • ROA-PAR 0.80% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Community Bank, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around HomeTown Bank

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank · TN · near66/100Greenville Savings B… · PA ·…66/100HomeTown Bank · MN · this b…66/100Manasquan Bank · NJ · near66/100SSB Bank · PA · near66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around HomeTown Bank · July 2026

Call Report read for HomeTown Bank in a high-failure state

HomeTown Bank (FDIC Cert #31028) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,378 of 4,307. Tier 1 capital prints at 11.49%, clearing the 10% well-capitalized line. The Texas Ratio is 4.71%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.80%. Balance-sheet scale is $663M, 1,437th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Bank (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around HomeTown Bank

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

HomeTown Bank sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about HomeTown Bank's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How HomeTown Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
HomeTown Bank's composite health score
Tier 1 Capital Ratio (11.49%) 28/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (4.71%) 20/20
Efficiency Ratio (71.07%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$663M

Total balance-sheet footings

Total Deposits

$586M

Customer-funded liabilities

Net Loans

$445M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.09% 11.49% 12.89%
Basel III capital ratios - HomeTown Bank

Where HomeTown Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. HomeTown Bank's score of 66/100 falls in the highlighted band.

HomeTown Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 22nd percentile higher than 22% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. HomeTown Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

HomeTown Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). HomeTown Bank's $663M falls in the highlighted band.

Capital & credit buffers at HomeTown Bank

Tier 1 capital ratio
Well-capitalized 10%

11.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.49%
Texas Ratio
4.71%
Equity Capital
$51M

What these ratios mean →

Profitability metrics: HomeTown Bank

Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
10.99%
Efficiency Ratio
71.07%

What these mean →

Income & expense at HomeTown Bank

$30M
Interest Income
$3M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. HomeTown Bank reports a Texas Ratio of 4.71% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View HomeTown Bank on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($663M here), outside Minnesota so the neighborhood is not state containment.

CCB Community Bank $663M · AL PB&T Bank $663M · CO First Southwest Bank $664M · CO Oconee Federal Savings and Loan Assoc… $664M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) HomeTown Bank (FDIC Cert #31028) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

HomeTown Bank Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%