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Home Banking Company
Selmer, TN · FDIC Certificate #9196 · Chartered 03/1
Total assets
$123.96M
Total deposits
$111.49M
Total equity
$11.11M
Net loans
$62.04M
Branches (offices)
5
Net income (YTD)
$262.00K
Rank: #3,499 of 4,213 U.S. banks by assets · #101 of 109 in Tennessee. Assets changed -2.7% and deposits -3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.42% |
| Return on equity | 4.81% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 8.96% |
| Tier 1 leverage ratio | 10.08% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 1.49% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 55.6% |
| Real estate loans (share of loans) | 80.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $49.94M | 80.5% | |
| Commercial & industrial | $4.85M | 7.8% | |
| Consumer / individual | $7.74M | 12.5% | |
| Construction & development | $8.23M | 13.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $129.92M | $123.12M | $196.00K | $5.70M |
| Jun 2023 | $145.03M | $128.31M | $225.00K | $6.57M |
| Jun 2024 | $148.25M | $133.69M | $43.00K | $7.20M |
| Jun 2025 | $127.45M | $115.90M | $57.00K | $10.21M |
| Jun 2026 | $123.96M | $111.49M | $262.00K | $11.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $98.25M | 4 |
| Mississippi | $13.23M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $111.49M.
Similar-sized banks
Stockmens National Bank In Cotulla ($124.06M) · Connect Bank ($123.87M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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