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Homeland Community Bank
Mcminnville, TN · FDIC Certificate #57632 · Chartered 11/2
Total assets
$244.06M
Total deposits
$227.21M
Total equity
$14.22M
Net loans
$135.94M
Branches (offices)
4
Net income (YTD)
$1.08M
Rank: #2,745 of 4,213 U.S. banks by assets · #82 of 109 in Tennessee. Assets changed -1.1% and deposits -2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 15.77% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 5.83% |
| Tier 1 leverage ratio | 8.46% |
| Uninsured deposits (share of deposits) | 21.6% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 59.8% |
| Real estate loans (share of loans) | 78.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $106.50M | 78.3% | |
| Commercial & industrial | $20.03M | 14.7% | |
| Consumer / individual | $4.62M | 3.4% | |
| Construction & development | $20.28M | 14.9% | |
| Agricultural | $5.94M | 4.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $246.29M | $237.87M | $448.00K | $6.89M |
| Jun 2023 | $226.51M | $218.13M | $538.00K | $6.22M |
| Jun 2024 | $231.34M | $220.14M | $983.00K | $8.51M |
| Jun 2025 | $246.78M | $232.21M | $709.00K | $11.35M |
| Jun 2026 | $244.06M | $227.21M | $1.08M | $14.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $227.21M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $227.21M.
Similar-sized banks
Capon Valley Bank ($244.17M) · State Nebraska Bank & Trust ($243.97M)
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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