Total Assets
$105M
Total balance-sheet footings
FDIC Cert #10197 · Cyrus, Minnesota · Est. 1901
Hometown Community Bank - FDIC Bank Health Profile
A community-scale look at Hometown Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $105M
- Total assets
- B
- Health grade · Good
- 1.27%
- Return on assets
- 8.9%
- Tier 1 capital
Data updated July 2026
The verdict
Hometown Community Bank earns a PlainBankData health grade of B (66/100), with 8.88% Tier 1 capital, profitable at 1.27% ROA, efficient (56% cost ratio).
- #3,699
- largest of 4,313 FDIC banks by assets
- 14th
- percentile by asset size, nationally
- 8.88%
- Tier 1 ratio - below the 10% well-capitalized line
- 62nd
- 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.
How Hometown Community 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.
Hometown Community Bank's composite health score
Tier 1 Capital Ratio (8.88%) 18/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (11.82%) 16/20
Efficiency Ratio (55.59%) 12/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$94M
Customer-funded liabilities
Net Loans
$87M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hometown Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hometown Community Bank's score of 66/100 falls in the highlighted band.
Hometown Community 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 Community Bank's $105M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.88% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.88%
Texas Ratio
11.82%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
14.75%
Efficiency Ratio
55.59%
What the numbers say about Hometown Community Bank
Hometown Community Bank is an FDIC-insured institution (Certificate #10197) headquartered in Cyrus, Minnesota, established in 1901. It holds $105M in total assets - 3,699th of 4,313 FDIC-insured banks, $94M in customer deposits, and $87M in net loans. Its capital position: a Tier 1 ratio of 8.88%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.82% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Hometown Community Bank is a community-scale institution -- 169th of 227 FDIC-insured banks headquartered in Minnesota by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$100K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Hometown Community Bank reports a Texas Ratio of 11.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hometown Community Bank (FDIC Cert #10197) - 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.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Hometown Community Bank's health grade?▼
Hometown Community Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Hometown Community Bank?▼
Hometown Community Bank holds $105M in total assets and $94M in deposits, ranking 3,699th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cyrus, Minnesota.
Is my money safe at Hometown Community Bank?▼
Yes, deposits at Hometown Community Bank (Certificate #10197) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hometown Community Bank's Tier 1 Capital Ratio?▼
Hometown Community Bank has a Tier 1 Capital Ratio of 8.88%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Hometown Community Bank?▼
Hometown Community Bank has a Texas Ratio of 11.82%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Hometown Community Bank?▼
Hometown Community Bank has an Efficiency Ratio of 55.59%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Hometown Community Bank's profile as a depositor or analyst.
- Hometown Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hometown Community Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.